carlos toro

I manage commercial insurance programs for condominium associations, property management firms, and complex multi-building communities. At Higginbotham Insurance Company / Stahl & Associates, I advise boards and stakeholders on risk exposures, coverage options, and insurance strategies.

I've built and serviced customized programs spanning commercial property, general liability, umbrella, flood, directors & officers, crime, and equipment breakdown coverage. I work with carriers and underwriters to quote, rate, negotiate, issue binders and endorsements, and resolve complex policy and claims issues.

Previously, at Insurance Office of America, I supported HOA/COA clients through coverage reviews, governing-document analysis, regulatory compliance, loss run analysis, and renewal strategy. My commercial portfolio has exceeded $1.75 million in annual revenue across more than 75 carrier relationships.

I'm a Florida-licensed 2-20 General Lines and 2-15 Life, Health & Variable Annuities agent, as well as a Professional Commercial Insurance Advisor. I bring 15+ years of client service, account management, and team leadership experience to building trusted, long-term client relationships.