Insuring your future, together.
SIP Insurance is an independent insurance agency specializing in providing tailored insurance and risk management solutions to businesses and private clients in the South Florida area.   
With Us, You’re Covered.
Personal Lines

Private Client

Safeguard you and your family from financial losses.  We help you find the optimal coverages and rates to meet your needs. 

Some of the coverages we offer are: 

  • Homeowners / Condos
  •  Autos
  • Flood
  • Umbrella
  • Boats / Yachts
  • Jewelry / Fine Arts
Commercial Lines

Business Insurance

As commercial coverage specialists, we have a proven track record of delivering custom-tailored risk management solutions using the industry's best carriers.  

Here’s are some of the most common coverages we’ll be reviewing when we first meet to analyze your company’s insurance program:

  • General Liability
  • Workers Compensation / USL&H
  • Commercial Auto Fleet
  • Property
  • Cyber Liability
  • Employment Practices Liability
  • Professional / Errors & Omissions 
  • Umbrella / Excess 
  • Employee Dishonesty / Crime 
  • Directors & Officers

Depending on your company’s operations and international footprint, we’ll explore some of the following specialty coverages:

  • USL&H / Longshore 
  • Ocean Cargo  
  • Maritime Employers Liability
  • Stock Throughput 
  • Foreign Liability Package
  • Business Travel Accident

Our primary focus is providing Commercial/Business insurance solutions to the following industries:

Social Services / Non-Profits
Manufacturing / Distribution
Real Estate Development / Construction
Medical / Life Sciences
Professional Services

The larger and more complex your operations are, the greater the opportunity there is for us to provide you with the most value.  

Trust through experience.

Andy Fajardo CMIP CLCS

Born and raised in Miami to Cuban parents, Andy brings a deep understanding of the South Florida marketplace through the lens of community development and partnerships.  A seasoned Insurance executive, Andy has over 14 years of experience in the construction, legal, and advertising industries.

His education background includes being a graduate of Christopher Columbus High School, FIU with a B.A. in English and Business Management, as well as University of Miami School of Law.  Andy holds the following insurance industry designations:

  • C.M.I.P. - Certified Marine Insurance Professional
  • C.L.C.S. - Commercial Lines Coverage Specialist

Marco Luna

Marco is an Agency Principal at SIP Insurance after having been a top Producer at a large regional agency for over 10 years. Having been an entrepreneur himself prior to starting his Insurance career, Marco truly understands what it’s like to run a business and the importance of having it properly insured.  

His longtime clients / friends will tell you he's a watchdog for their benefit and is known for his loyal network of contacts involved in many industries including: Social Services, Elder Care, Medical, Transportation and Real Estate.  Marco is adept at analyzing risk, defining a client’s needs, and helping them safely navigate even the most complex of insurance issues.

Request an Insurance Program Analysis
We look forward to working with you to tailor a policy that best suits your needs.
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