Business Details
Your Trusted Insurance Partner in St. Petersburg, FL
National Risk Solutions (NRS), a division of Hull & Company, is a forward-thinking insurance wholesaler dedicated to transforming the industry through technology-driven solutions and exceptional service. Since our inception, we have prioritized innovation, offering a comprehensive suite of personal lines insurance products tailored to meet diverse client needs. Our team of seasoned professionals leverages cutting-edge online quoting systems to deliver instant, transparent, and customizable coverage options, ensuring agents and policyholders receive efficient, round-the-clock support. With a focus on A.M. Best-rated carriers and a commitment to eliminating traditional wholesale market inefficiencies, we empower our partners with direct access to markets, streamlined processes, and dedicated account executives.Our expertise spans homeowners, flood, umbrella, and specialty insurance, backed by a customer-centric philosophy that emphasizes personalized service, competitive pricing, and unwavering reliability. As a trusted leader in the insurance sector, we continuously invest in advanced tools and training to maintain our position at the forefront of the industry, ensuring our clients benefit from the highest standards of professionalism and risk management.
Services
Homeowners Insurance
Flood Insurance
Umbrella Policies
Personal Article Floater
Condo Insurance
Dwelling Fire
Farm & Ranch
Comprehensive Personal Liability
Boat Insurance
Excess Liability
Highlights and features
- 24/7 online quoting and instant policy binding capabilities
- Dedicated account executives with industry-specific expertise
- A.M. Best-rated carriers ensuring financial stability
- Technology-driven processes eliminating traditional wholesale delays
- Personalized service with nationwide coverage options
Associations and certifications
- A.M. Best
Services
Homeowners Insurance
We offer comprehensive homeowners insurance covering 1-4 family dwellings, duplexes, and quadplexes with options for wind, earthquake, and sinkhole coverage. Our policies include replacement cost, actual cash value, and agreed value settlements with limits up to $10 million. Eligible risks include primary, seasonal, tenant-occupied, and vacant properties with flexible deductible options.
Flood Insurance
Our flood insurance program provides primary and excess coverage for residential and commercial properties nationwide. We offer replacement cost coverage for buildings and contents with limits up to $5 million for primary policies and $45 million excess coverage. Special features include no waiting periods for mortgage closings and coverage for properties in coastal and inland flood zones.
Umbrella Policies
We provide personal umbrella insurance with limits up to $5 million through A++ rated carriers. Our policies include defense costs outside limits, pre- and post-judgment interest coverage, and multiple additional insureds at no charge. Coverage extends to automobiles, recreational vehicles, boats, and rental properties with flexible underlying coverage requirements.
Personal Article Floater
This specialized coverage protects high-value collectibles including fine art, jewelry, wine collections, and musical instruments. We offer worldwide coverage with replacement cost valuation and market appreciation up to 150%. The policy covers accidental damage and physical loss with flexible underwriting for individual and trust ownership.
Boat Insurance
Our boat insurance covers small watercraft, personal watercraft, yachts, and sailboats up to 26'11" with speeds up to 100 mph. Features include emergency towing, personal effects coverage, pollution liability, and diminishing deductibles. We offer replacement cost options and coverage for boats in hurricane-exposed areas with limits up to $10 million.
People
Kathy Sofarelli
Profit Center Leader
Kathy Sofarelli leads NRS's profit center operations with extensive experience in insurance product development and strategic management.
Michelle Dennard
Customer Service Supervisor
Michelle Dennard oversees customer service operations, ensuring efficient claims processing and client satisfaction for NRS policyholders.
Ananka Willocks
Senior Account Executive
Ananka Willocks serves as a senior account executive, providing expert guidance on insurance products and underwriting solutions.
Richelle Ingram
Account Executive
Richelle Ingram works as an account executive, specializing in personal lines insurance products and client relationship management.
Paula Sanchez
Account Executive
Paula Sanchez provides account management services, focusing on insurance product education and policy customization for clients.
Questions
What insurance products does National Risk Solutions offer?
We offer homeowners, flood, umbrella, personal article floater, condo, dwelling fire, farm & ranch, and boat insurance policies.
Can I get an instant quote online?
Yes, our 24/7 online quoting system provides instant policy binding for eligible risks through A++ rated carriers.
Do you cover high-risk properties?
We specialize in challenging risks including coastal exposures, older homes, and properties with prior losses.
How quickly can policies be issued?
Most policies can be bound instantly online or within one business day through our account executives.
What areas do you serve?
We provide coverage nationwide with specialized programs for hurricane and flood-prone regions.
