Business Details
Your Trusted Independent Insurance Agency in Florida
At FL Insurance Solutions, we pride ourselves on delivering personalized insurance programs tailored to meet the unique needs of each client. Our team, led by agency owners Laura Hafner and John Mikell, brings decades of combined experience in risk management and insurance solutions. We specialize in designing comprehensive coverage plans through our proprietary 360 Review process, which identifies potential exposures and crafts targeted solutions to mitigate risks. For clients seeking more straightforward options, we also offer individual coverage selections for home, auto, and business insurance. Our licensed professionals are committed to helping Floridians protect their assets with reliable coverage while maintaining transparent, client-focused service.With multiple office locations across the state, we provide convenient access to insurance expertise and after-hours appointments to accommodate busy schedules. Our partnerships with leading carriers ensure competitive rates and quality service, whether you need standard policies or specialized protection. We believe in building long-term relationships through integrity and exceptional service, ensuring clients feel confident in their insurance decisions.
Services
Auto Insurance
Business Insurance
Home Insurance
Pet Health Insurance
Annuities and Life Insurance
Highlights and features
- We offer a comprehensive 360 Review for personalized risk management solutions
- Our licensed and experienced staff provides tailored insurance programs
- We provide line-by-line coverage options to meet specific needs
- After-hours appointments available upon request
- Serving multiple locations across Florida for convenient access
Associations and certifications
- AAI
- AIP
- CWCA
Services
Auto Insurance
Auto insurance protects your vehicle against damage, theft, and liability claims. Our policies cover repair costs, medical expenses, and legal responsibilities following accidents. We offer customizable coverage options to match your driving habits and budget while ensuring compliance with Florida's minimum requirements.
Business Insurance
Business insurance safeguards companies against operational risks including property damage, liability claims, and business interruption. Our tailored policies protect physical assets, cover legal expenses, and maintain cash flow during unexpected disruptions. We help Florida businesses create comprehensive protection plans aligned with industry-specific risks and regulatory requirements.
Home Insurance
Home insurance covers residential property damage from fire, storms, and other covered perils. Policies include dwelling protection, personal property coverage, and liability protection for homeowners. We provide customized plans that account for property value, construction type, and location-specific risks in Florida's climate.
Pet Health Insurance
Pet health insurance helps cover veterinary expenses for accidents, illnesses, and routine care. Our plans reimburse owners for treatment costs, prescription medications, and preventive care services. We offer flexible coverage levels to accommodate different pet breeds, ages, and medical needs across Florida.
Annuities and Life Insurance
Annuities and life insurance provide financial security for beneficiaries and retirement planning. Our products include term life, whole life, and fixed annuity options that build cash value over time. We help Florida residents create estate plans, protect dependents, and ensure long-term financial stability through personalized policy structures.
People
Laura Hafner
Agency Owner
Laura Hafner, a licensed insurance professional with AAI and AIP designations, co-owns FL Insurance Solutions. With extensive experience in risk management, she specializes in creating personalized insurance solutions for Florida residents while maintaining active community involvement.
John Mikell
Agency Owner
John Mikell, a CWCA-certified insurance professional, co-founded FL Insurance Solutions to provide tailored risk management services. His expertise in commercial insurance and commitment to client education helps businesses and individuals navigate complex coverage options across Florida.
Crystal Vankampen
Agent / Manager
Crystal Vankampen serves as Interlachen office manager and licensed insurance agent at FL Insurance Solutions. With specialized knowledge in personal and commercial lines, she ensures clients receive comprehensive coverage options while maintaining efficient office operations.
Courtney Adams
Agent / Manager
Courtney Adams manages FL Insurance Solutions' St. Augustine location as both licensed agent and office manager. Her focus on customer service excellence and policy customization helps residents and businesses secure appropriate coverage while maintaining operational efficiency.
Danielle Driggers
Agency Operations Manager
Danielle Driggers oversees agency operations and serves as a licensed insurance professional at FL Insurance Solutions. Her dual role ensures smooth administrative processes while providing clients with expert guidance on policy selection and risk management strategies.
Questions
What insurance products does FL Insurance Solutions offer?
We provide auto, home, business, pet health, and life insurance policies, along with annuities and specialized coverage options tailored to individual and commercial needs.
How can I schedule an appointment with an agent?
Contact our Palatka office at 386-325-2081, Interlachen at 386-684-4749, or St. Augustine at 904-417-8952 to schedule consultations during regular business hours or after-hours appointments.
What is the 360 Review process?
Our proprietary 360 Review comprehensively assesses your insurance needs by identifying potential risks and creating customized protection plans that address both current and future coverage requirements.
Do you offer online payment options?
Yes, through our carrier partners like Auto-Owners, Liberty Mutual, and Progressive, you can access online bill payment and claims submission services directly through their websites.
Are your insurance agents licensed in Florida?
All our agents maintain active Florida insurance licenses with specialized designations including AAI, AIP, and CWCA certifications for professional expertise in various coverage areas.
