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Through openness and honesty, we strive to deliver services using only morally and ethically correct behaviors. In other words, if it causes us to lose sleep, we won't do it.


With over 90 years experience in the fields of insurance and risk management, we’ve learned what works and what doesn't. But most importantly, we’ve learned to listen to our clients.

Personalized Attention

There is no one-size-fits-all solution. Starting from the ground floor with each customer, we make sure you get exactly what you need, and nothing you don’t.

We’re old school - in all the right ways

By leveraging leading-edge technologies with our over 90 years experience, we can ensure you're receiving the best advice, the most competitive quotes, and the highest personalized service you’ve ever seen.

Technological Innovation

We capitalize on technologies that make you, your advisor, and your coverage closer and more approachable than ever before.

A few of our favorite clients.

O Glethorpe Inc
Sunset Automotive Group
Gulf Coast Jewish Family & Community Services
Cornerstone Hospice
Atlas Sign Industries
The Dali

We became clients of W3 Insurance in 2013 for our Workers Compensation Insurance. Their team inspected our premises, analyzed our 5 year loss history and did an audit on our Mod. In just a few short years our experience mod dropped from 2.38 to .88! Now several carriers are interested in writing our workers compensation. I highly recommend David, Liz and the team at W3 Insurance.

Candace Hodgkins

CEO, Gateway Community Services Gateway - Steps to Recovery

I have been in the Golf Business for over 40 years, and managing multiple facilities since 1989. I have dealt with a number of agents and agencies during that time and have never written a letter of recommendation, but there is a first time for everything. W3 brought creative solutions, valuable resources and knowledge to our company. I can highly recommend using W3 Insurance. They give us a competitive advantage in the marketplace over our competitors.

M.G. Orender

President, Hampton Golf Hampton Golf

When I joined the food bank in July 2012, Feeding Tampa Bay had been placed with a PEO due to the high number of worker's comp claims and was uninsurable. I met with W3 to analyze our loss history and review our current Mod. They made recommendations to implement immediately which would improve our rating. We can now get competitive quotes from various carriers and better rates for the organization. This is truly due to the efforts of W3 Insurance.

Kathy Whetsell

Director of Finance, Feeding Tampa Bay Feeding Tampa Bay