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LLJ Risk Advisors, at the Intersection of Client Care and Tech

Trust LLJ Risk Advisors, your local, independent, South Florida insurance agency.

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Learn About LLJ Risk Advisors

With over 20 years of experience, our goal at LLJ Risk Advisors has been to bring that personal touch back as your trusted insurance advisors. We’re focused on building long-term relationships with our clients. Being an idea-driven and agile small business allows us to make quick decisions and act with the interest of our valued clients in mind.

We employ a methodical and strategic process to protect the things that matter most to our clients. We don’t shy away from new, progressive technologies. Instead, we lean into the changing world to keep our service sharp and to keep our clients safe. Our goal is to be on the cutting edge with technology in order to help our clients make quick decisions when it matters most to them.

Why Go Independent?Learn About Us

We’re on your team and are there for you.

We are insurance professionals on the cutting-edge of tech.

We understand the challenges of insurance in Florida.

We have an abundance mindset, and we understand business.

An Independent Agency Gives You Options

We proudly represent several insurance agencies.

The Solution to Your Insurance Needs

LLJ Risk Advisors offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to LLJ Risk Advisors.

“Daniel Rojas is a consummate professional and always looks after your best interest. I would highly recommend working with him and LLJ Risk Advisors.”

Sergio T.

“Simply the best experience. This kind of stuff is always confusing for me but it was a breath of fresh air bringing my business to LLJ Risk Advisors.”

Armando R.

“Daniel was very helpful and responded quickly to any inquiries I had. He is detail oriented and cares about his clients. I would highly recommend him.”

Linda G.

Manage Your Policies

Already a client of LLJ Risk Advisors? Visit our Service Center to make requests and manage your insurance.

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