Working with Sal provided me with the comfort and confidence that I needed to get through this difficult transaction in a timely fashion. Sal was able to get me coverage in less than a few hours of my call to you for both short term catastrophic coverage and then ongoing health care coverage. In the past four years I've had three different "expert" healthcare coverage professionals and all three are not even in the same ballpark as Sal. As an owner of a small business that specializes as a consultant in the insurance industry I truly recognize how meaningful it is to have a relationship with a quality agency and broker. M&L has been great with handling my property and casualty and now Sal will be handling my health care and I'm a happy customer.

Having been a long time and loyal customer of another (USAA) insurance company I was very disappointed and frankly worried when my family and I moved to a new home 19 miles north in South Florida and found out that our insurance carrier would not write our policy as they weren't writing policies in this area anymore. I was guided to M&L by a friend who stated they were more than "just" an insurance company. I called M&L right away and was struck by how important they made me feel from the moment the answered the phone. They were quick in responding, they were friendly, they were knowledgeable, they were accessible and they had the access to the coverage I needed - at a fair and reasonable price. The insurance arena is an interesting one in that they are kind of in the background and you really don't need to contact them unless you have a claim or a question etc. M&L was that for me, until last year when I received a letter from our carrier that many of our discounts were not going to be honored and our premium was going to go up significantly. I called Jessica and she was already aware of the increase and had set a plan in motion to confirm this was accurate. We had a second inspection that proved the discounts we in fact still "good" and Jessica handled all the communication, sending of emails, proof of compliance and all documents needed to continue to get the best coverage and rates possible. I was really impressed with how little I had to do and how much M&L did to secure these rates. This year, this past week in fact, I received word from Jessica that it was renewal time and she would be shopping my policy to see if there is even better coverage and rates available. She did, there was, and I am again getting great coverage at a great premium. There are many choices when it comes to securing insurance for your home, auto etc. and for all the reasons above I highly recommend the friendly folks at M&L Insurance - you will not be sorry.

I JUST WANT TO THANK JESSE AND THE M&L TEAM FOR ALL YOUR AMAZING HELP WITH MY QUESTIONS AND RENEWAL OF MY POLICY. THANK YOU AGAIN FOR ALL YOUR HARD WORK.

Hi David, I received the claim check from Federated National earlier this week, resulting from my dishwasher fulfilling its Niagara Falls fantasy. I wanted to thank you and your team for all the personal attention you gave this matter. Your efforts are greatly appreciated.

I have been a customer of M&L Insurance since 1986, when insurance was just handled by Larry. Then Maureen (his wife) and Larry opened up their own family run business (hence M&L) and they have taken care of my personal and business insurance needs as well as the many, many referrals I've sent over from my years in the real estate business. I have always been treated as an individual, not just an "insured". M&L has always offered the best service and lowest rates from major carriers and many times throughout the years have saved me a lot of money even when it meant lower commissions to them. This level of honesty and integrity is very rare in business today. I highly recommend them to you as well! Thank you M&L!

I was anxiously looking to reduce my homeowners insurance payment without compromising my coverage's. One phone call the M & L Insurance and Rachael's efficient service. I was able to save $100's and maintain my same coverage's. Rachael was quick with her proposal and explained any questions I asked in detail. She was a pleasure to due business with and I recommend her highly.

Thank you, Rachel, for encouraging us to let you find us a new homeowners policy. You got us a better rate and much better coverage.


Much appreciated.

After 3 years I would like to say Thank you for the way you take care of my account, your team give me quick answer on the phone call and Emails, finding a good solutions for the issues and also the best recommendation for both parts,I would like to keep growing together.