An independent agency that works for you, not a carrier

What “independent” really means

Maru Insurance is an independent insurance agency licensed to serve Washington (WAOIC #1365574) and Florida (License #G363233). Unlike a captive agent who represents a single insurance company, we represent multiple A-rated carriers. That independence is the whole point: when we sit down to solve your coverage, we compare the market and recommend what genuinely fits your life and budget — and when a carrier raises your rate at renewal, we can move you rather than shrug. Our compensation comes from the carrier you choose and is already built into standard rates, so our guidance costs you nothing extra.

Two states, two very different insurance worlds

We deliberately serve Washington and Florida because we know both deeply. In Washington, serving clients statewide, that means windstorm, wildfire, earthquake, and the state's unique L&I workers' compensation system. In Florida, serving clients statewide, it means navigating one of the country's hardest homeowners markets, hurricane and flood exposure, and the mitigation credits that lower premiums. Insurance is regulated state by state, and expertise doesn't transfer automatically — so we went deep on both.

How we work

Every relationship starts with a conversation, not a quote engine. We learn what you're protecting and what you're worried about, shop the market, and bring back the two or three options that genuinely fit — with the trade-offs explained in plain English. Once you choose, we handle the paperwork, issue certificates when your business needs them, and review your coverage at renewal so you're never quietly overpaying. When something goes wrong and you need to file a claim, you have a real advocate who knows your policy.

Insurance without the call center

When you contact Maru, you are not entering a phone queue or getting handed off to whoever picks up next. You reach me. I am the person who shops your coverage, explains your options, and answers when you call with a question or a claim. That is a deliberate choice: a smaller, more personal agency where you always know who is handling your policy — and where the advice is the same whether it earns a commission or not.

Our commitment

We'll always tell you the truth, even when it's not the most profitable answer — whether that's recommending term over permanent life, telling you a policy you're considering is more than you need, or letting you know when your current coverage is already a good deal. Trust compounds, and we're building for the long term.

Licensed — and easy to verify

You should be able to check the credentials of anyone handling your insurance. I hold active resident licenses in Washington (WAOIC #1365574) and Florida (License #G363233), National Producer Number 22261820. You can verify these directly with the state regulators:

• Washington Office of the Insurance Commissioner — license lookup by name or number
• Florida Department of Financial Services — licensee search