Business Details
Your Trusted Insurance Partner in St. Petersburg
National Risk Solutions (NRS), a division of Hull & Company, redefines wholesale insurance through a technology-driven model focused on service excellence and innovative solutions. Our team delivers comprehensive personal lines insurance products tailored to meet diverse client needs, supported by 24/7 online quoting systems that eliminate traditional wait times. With dedicated account executives, personalized service, and a commitment to leveraging cutting-edge technology, we empower agents to access markets directly through streamlined platforms. Backed by A.M.Best-rated carriers, we specialize in homeowners, umbrella, flood, and specialty liability coverage while maintaining rigorous underwriting standards. Our approach combines automated efficiency with human expertise, offering flexible payment options and real-time underwriting support to ensure seamless client experiences. Through centralized business resources, we provide additional value through pre-employment screenings, marketing tools, and identity theft protection services to policyholders.
Services
Homeowners Insurance
Umbrella Products
Comprehensive Personal Liability
Condo Programs
Dwelling Fire
Farm & Ranch
Personal Article Floater
Flood Insurance
Additional Products
Excess CPL
Highlights and features
- We provide 24/7 online quoting capabilities with instant access to insurance markets
- Our team consists of certified insurance professionals with specialized underwriting expertise
- We operate with admitted A.M. Best-rated carriers for reliable coverage
- Our personalized account executive model ensures dedicated client support
- We offer comprehensive insurance solutions with flexible policy customization options
What people say
24/7 online access
Dedicated account management
Specialized underwriting options
Efficient claims handling
A.M. Best rated carriers
Services
Homeowners Insurance
We offer comprehensive homeowners insurance with HO3, HO5, and DP3 policy forms available nationwide. Coverage includes wind protection with state-specific restrictions, earthquake and sinkhole options, and flexible limits up to $10 million. Our policies accommodate various property types including 1-4 family dwellings, duplexes, and renovation projects for both owner-occupied and rental properties.
Comprehensive Personal Liability
Personal liability coverage solutions protect against claims for bodily injury and property damage. We provide up to $1 million in primary coverage and $5 million in excess limits with flexible terms for high-profile individuals and complex property portfolios. Coverage includes personal injury protection and defense cost provisions while excluding commercial exposures.
Umbrella Products
Umbrella insurance policies provide additional liability protection beyond primary coverage limits. Our offerings include $1-10 million limits with defense cost coverage outside policy limits and multiple additional insured options. Products cater to standard and high-risk applicants with flexible underwriting requirements for underlying coverage.
Personal Article Floater
Specialized coverage for high-value personal property including fine art, jewelry, and collectibles. Policies provide all-risk protection with replacement cost valuation and worldwide coverage. We accommodate both individual collectors and trust entities with market appreciation coverage up to 150% of declared values.
Flood Insurance
Comprehensive flood insurance solutions meeting federal requirements with replacement cost coverage options. Available for residential, multi-family, and commercial properties nationwide, including primary and excess coverage up to $50 million. Policies exclude properties in emergency program communities and mobile homes.
People
Kathy Sofarelli
Profit Center Leader
Insurance industry professional with extensive experience in risk management solutions. Leads NRS's strategic initiatives while maintaining active involvement in client relationships and team development.
Michelle Dennard
Customer Service Supervisor
Oversees customer service operations with particular emphasis on client satisfaction metrics. Focuses on maintaining NRS's reputation for responsive and professional client interactions.
Ananka Willocks
Senior Account Executive
Experienced insurance professional specializing in personal lines underwriting. Provides expert guidance on policy customization and risk assessment for both standard and complex insurance needs.
Richelle Ingram
Account Executive
Client-focused insurance professional with expertise in personal risk management. Specializes in helping clients navigate complex coverage options and policy structures.
Paula Sanchez
Account Executive
Dedicated insurance professional supporting agents with comprehensive risk solutions. Provides personalized service while maintaining deep knowledge of evolving insurance regulations.
Questions
What types of insurance products do you offer?
We provide homeowners, umbrella, flood, condo, dwelling fire, personal article floater, and comprehensive liability insurance products, including specialty coverage options.
Can I get insurance coverage online?
Yes, we offer 24/7 online quoting systems for multiple insurance products with instant access to market options and binding capabilities.
Do you work with independent agents?
Yes, we are a wholesale insurance provider specifically designed to support independent agents with comprehensive products and dedicated account executives.
What areas do you serve?
Our insurance solutions are available nationwide through our network of A.M. Best-rated carriers, with specific coverage options varying by location.
What payment methods do you accept?
We offer multiple payment options including check, credit card, and electronic fund transfers through our direct bill arrangements.
