The Intelligent Broker Newsletter
Latest on Commercial Insurance
Are you ready for the
Digital Era?
A Customizable Experience.

These customers want to make sure their needs are being heard and met with a customizable policy to their unique operations. Today's workers are eager for fast and efficient processes.

Avoid the Stigma of Insurance.

To expedite the process it would be helpful to transform the stigma of insurance being too complex to understand. The insurer/broker should only send them information that is easy to comprehend, and concise. It will save time for both parties when the business owner is well-informed to make decisions rather than feeling confused.
Small Business
The Future of Small Business Liability
As we enter a new era it is our responsibility to recognize the continuous evolution of technology, especially, when it comes to the operations of small businesses. It is crucial for the original model for General Liability coverage to be reconfigured to align with the needs of modern workers.

According to the Insurance Journal " 60% of small business in the U.S. will be owned by Millennials and Gen Xers". Since these generations are significantly more tech-savvy this means insurers should initiate an expansion of their offerings. Young, small-business owners are looking for a convenient and personalized experience.

Insurance must adapt to the Digital Era. Agencies must focus on customer service development and the needs of the present-day small-business owner.

Price vs. Quality?

Finding the cheapest price is one ingredient to a satisfied customer but it is not the most important. The quality of the policy must match it's affordable pricing. Insureds want to be secured at a reasonable price.

Be Accessible.

Where are you when customers need your support the most? You can be a dependable insurer with live support. One-on-one communication is still significant even at the start of the Digital Era.

Please visit the Halcyon website and click on "Commercial" for more info on Small Commercial insurance we offer.
Middle Markets
Halcyon Underwriters is proud to present
our new market:
  • Target classes
  • Churches
  • Education
  • General Commercial
  • Home Owners Associations
  • Hotel/Motel (Short Term)
  • Industrial, Office
  • Retail
  • Warehouse
  • Hospitality.

  • Coverage Options
  • Overlying wind deductibles-all winds, wind/hail, named winds
  • Available in 19 coastal states (All Florida counties except Monroe)
  • No TIV limits
  • Agency Bill- Full Payments ONLY via Credit Card
Contact your assigned Underwriter for more information. To get in touch each our marketing team, email us at
Personal Lines
Chubb: Guidelines You Must Consider

Did you know if you are more than 2,500 feet from coastal waters in Southeast Florida Chubb does not have minimum premium requirements? 

Chubb allows us to succeed instead of taking larger homes to Excess & Surplus markets. Our teammates have seen great results on homes built after 1994 with a value of $2.5 million.

If your account satisfies the follow qualifications, this could be an option for you:

  1. Built in 1994 or later
  2. $2.5M Coverage A or higher
  3. Fully Rounded Account -- Auto/Umbrella/Jewelry
  4. Positive Elevation

Click Here for more information!
Do you have an account you want us to review? Contact Sarah Cadle, our Vice President / Personal Lines Leader, at 321-527-2192.
Word of the Day...

"Partnership" - what does this mean?

Collaboration, connection, a union,
A relationship representing cooperation between two parties.
Online Rating
Have you rated any of our online products yet? USLI and Utica First, offer an extra 2 points on commission and fast turnaround for online rating.
Visit the Halcyon website to rate now!

XPress Pay - Say good-bye to pending cancellations and late payments. Our agents can now pay their agency bill invoices directly with credit cards or E-Check!
Team Member Spotlight: Maday Senespleda
The relationship we have with our agent partners is very important to us. While we work with you on a day-to-day basis, we thought you would like to know a little information about one of our hardworking teammates.

Halcyon would like to introduce you to Maday Senespleda, one of our Small Business Assistant Underwriters. Maday works with Vice President/Small Business Manager, Deirdre Sanford.
"Be happy! Success is not the key to happiness. Happiness is the key to success. If you love what you are doing you will be successful!"
Years at Halcyon: 1 Year, 9 months
Years in Insurance: 12 years
First Job: In the US my 1 st job was housekeeping at a hotel in Miami Beach.
Favorite Movie: Many, but one of my favorites: The Shawshank Redemption.
Favorite Vacation spot: Anywhere but home!
Little-known fact: I graduated from Nursing school in Cuba.
If I’m not at work, you can find me…. Spending time with my family.
Motto: Treat others the way you want to be treated. 
Greatest Challenge: Life itself is a challenge, but learning to understand others with different views and to respect
them is important. We may have different beliefs or traditions, but we are all human beings, and that makes us equal.
Most important lesson learned: Make every moment count, do not take anything or anyone for granted.
Advice for Success: If opportunity doesn’t knock build a door.
If I wasn’t doing this, I’d: Be doing anything (legal) that pays my bills.
Pet Peeve: People spitting in public.
Bucket List Item? Travel the world.
Hobbies: Read, watch movies, play dominoes and cook.
If I could have met anyone in history, it would be: Nikola Tesla. 
My favorite part about my job is: Being able to help in any situation.
My favorite work memory is: Halloween contest!
What influenced you to join insurance: Trying to get out of the Casino work in Las Vegas, needed a career change. I started working as a temp. with a wholesaler as a receptionist.
First purchase if you won the lottery? Probably a car… while the house is being built. 
One thing you cannot live without? My family
What would your perfect day consist of? Spending the day with my children, cooking for them, making them happy. That fills my heart with a happiness money can’t buy.
X-press Pay
You can now process online payments for policies on the Halcyon website. It's fast, easy, and efficient! Say good-bye to writing checks. Your payments can now be completed in seconds at your fingertips!
Over the Edge: Give Kids the World!
On Friday, February 14, 2020 we will be tossing some of our teammates over the edge! Before we plunge 428 feet down the Hyatt Regency Hotel , we need your help.

Our goal is to raise a minimum of $1,000 . When this happens we will draw a name of a Halcyon teammate. For every $1,000 we raise, another Halcyon teammate goes "Over the Edge"! The lucky winner is going Over the Edge! Click the button below to Donate.

Learn More About Halcyon
Why Halcyon? Watch the video to find out the reasons our teammates choose Halcyon as their "Broker of Choice".
Halcyon Underwriters

2301 Lucien Way, Suite 360
Maitland, FL 32751
TEL - (407) 660-1881:
FAX - (407) 660-0525
TOLL FREE - (800) 393-9090