The John Galt Insurance Agency, a Fort Lauderdale, Florida-based agency with expertise in commercial and multi-family real estate insurance, is now Gallagher. In addition to providing insurance and risk management solutions for condominium/homeowner associations (HOAs), the agency also serves the construction, preschool and transportation industries, as well as offering general business insurance and employee benefits consulting.

Founded in 1956, John Galt's commitment to helping clients get the best protection available at the best possible price makes the agency an ideal fit with Gallagher. Clients will continue to experience the agency's personalized local service, all while also benefiting from the global resources of Gallagher.

“
The John Galt Insurance Agency's expertise will expand our capabilities in the condominium and association entity real estate niche in Florida.
J. Patrick Gallagher, Jr., Chairman and CEO

Helping manage your specific risks through tailored insurance solutions

No matter how big or small your business, our specialists work with you to analyze your needs, develop a plan that's customized and responsive to your situation, and offer competitive pricing that reflects your risk exposure and experience. Whether a condominium association, a trucker, preschool or another business, we'll find the coverage that works best for you.

We understand your business is your livelihood — and we know how important it is to you. We help you navigate insurance requirements, find coverage gaps and make sure every aspect of your business is covered. Coverages include:

  • Business Auto
  • Commercial Liability
  • Commercial Property
  • Directors and Officers (D&O)
  • Employment Practices Liability (EPL)
  • Cyber
  • Workers' Compensation
  • Inland Marine
  • Professional Liability
  • Special Event Coverage
  • Umbrella and Excess Liability

We help condominium associations understand what the different types of insurance policies cover and how an association's policy differs from a unit owner's policy. There are numerous policies, but the primary policies are liability and property policies.

Liability. This policy typically helps cover legal or medical costs if the association is hit with a lawsuit — for example, if someone is injured after slipping and falling in a common area maintained by your association.

Property. This policy helps provide protection against covered perils for the building, common areas and the association's personal property, such as furniture and exercise equipment.

From general contractors and construction professionals to trade contractors, property owners and more, we work with you to create a risk management program that closes gaps and supports the continuous running of your business. We tailor solutions for your specific risks and create comprehensive coverage for all aspects of your business, including:

  • General Liability
  • Umbrella/Excess Liability
  • Workers' Compensation
  • Property Insurance
  • Auto Liability
  • Inland Marine
  • Professional Liability
  • Environmental/Pollution Protection

Protecting your students as well as your investment is important to any owner or director. Our goal is to develop a plan that suits your risks and then find the best price for the coverage your preschool or daycare operation needs. We tailor solutions for your specific risks and create comprehensive coverage for all aspects of your business, including:

Coverage types
  • General Liability
  • Student Accident
  • Professional Liability
  • Commercial Auto Liability
  • Corporal Punishment Liability
  • Abuse and Molestation Liability
  • Umbrella Liability
  • Workers' Compensation
  • Cyber
Types of operations we cover
  • In-home daycare centers (family type)
  • 24-hour childcare operations
  • Head Start programs
  • Group and commercial childcare centers
  • Drop-in childcare centers
  • Before- and after-school programs
  • Latchkey operations

Our focus is on structuring insurance policies and compartmentalizing risk to deliver a customized plan that manages your transportation risks. We serve all aspects of transportation, with coverages including:

  • General Liability
  • Trucking Liability
  • Auto Liability
  • Physical Damage
  • Cargo
  • Occupational Accident
  • Non-Trucking Liability
  • Bobtail

Request a certificate of insurance

REQUEST NOW

Employee benefits consulting customized for your business needs

Gallagher works with employers of all sizes to understand their risk tolerance, creating an approach that meets your financial goals and benefit program needs, and helps control health-care costs. We can help you improve just one part of your benefits program or implement a full-service, end-to-end program. Advice and solutions are shaped by your unique needs, and we provide guidance in the following:

  • Medical, dental and life insurance programs
  • Accidental Death and Dismemberment (AD&D)
  • Disability
  • Worldwide emergency medical transportation coverage
  • Health Savings Accounts (HSAs)
  • Health Reimbursement Accounts (HRAs)
  • Flexible Spending Accounts (FSAs)
  • Long-term care
  • Section 125 plans

Local expertise and a global network to help your business succeed

Our local experts have access to a global network to better understand the risks your business faces every day — and how to manage those risks effectively. Our primary goal is to get the best insurance products and services available to protect you and your business, so you can be successful.

Awards and Recognition