Business Details
29 Years
experience
Emergency
services
Your Trusted Insurance Partner in West Palm Beach
Founded in 1997 by Christopher Dunham, our agency was established to provide personalized insurance solutions that prioritize client needs. With over 25 years of industry experience, we leverage our independence to tailor policies across residential, commercial, and specialty sectors while maintaining a commitment to affordability. Our team of dedicated professionals focuses on simplifying complex insurance products through transparent communication and comprehensive coverage analysis. We actively promote diversity through formal non-discrimination policies and a supplier diversity program certified by the NGLCC since 2016. Sustainability remains central to our operations through energy-efficient practices and eco-conscious material choices.Our 24/7 availability ensures clients receive timely support for policy management, claims assistance, and risk assessment consultations. By combining technological innovation with traditional customer service values, we maintain our founding mission to reduce insurance costs without compromising coverage quality. Our geographic expertise spans Florida's major metropolitan areas while serving clients nationwide through digital platforms. This balanced approach has solidified our reputation as a trusted advisor in both personal and commercial insurance markets.
Services
Homeowners Insurance
Commercial Property
Personal Auto
Business Owners
Boat Insurance
General Liability
Umbrella Policies
Flood Insurance
Rental Dwelling
Wedding Insurance
Details
- Year established: 1997
Highlights and features
- We offer 25+ years of independent insurance expertise since 1997
- Our tailored policies cover unique residential, commercial, and specialty needs
- 24/7 availability for emergency claims and policy adjustments
- Certified diverse-owned business with formal non-discrimination policies
- Local Florida market expertise with nationwide policy delivery capabilities
Associations and certifications
- NGLCC (LGBTBE)
What people say
Quality coverage
Peace of mind
Enthusiastic professionals
Convenient location
Timely reminders
Services
Homeowners Insurance
Our homeowners insurance provides comprehensive protection for primary residences against common risks including fire, theft, and natural disasters. Policies include dwelling coverage, personal property protection, and liability safeguards tailored to Florida's climate conditions. We offer customizable options for high-value homes and specialized property features while maintaining competitive pricing through our independent agency network.
Commercial Property
Tailored commercial property insurance protects business assets against damage from covered perils including fire, vandalism, and weather events. Our policies cover buildings, equipment, inventory, and essential business documents with customizable limits based on industry-specific needs. We specialize in risk assessment for Florida's retail establishments and commercial properties while offering nationwide policy implementation.
Business Owners Policy
Business Owners Policies combine essential liability and property coverage for small to mid-sized businesses. Our customized BOPs include general liability, commercial property, and business interruption insurance with optional endorsements for professional liability and specialized equipment. We focus on creating cost-effective solutions for Florida's hospitality, retail, and service industries while maintaining nationwide availability.
Flood Insurance
Specialized flood insurance policies provide critical protection against water damage from heavy rains, hurricanes, and rising water events. As Florida's coastal risks increase, we offer NFIP-compliant coverage and private market options with flexible deductible structures. Our experts help clients understand flood zone requirements and secure appropriate limits for both residential and commercial properties.
Umbrella Policies
Personal and commercial umbrella policies provide additional liability protection beyond standard insurance limits. These policies cover catastrophic claims across multiple underlying policies including auto, home, and business insurance. We help clients assess appropriate coverage levels based on asset exposure and risk profiles, with particular focus on high-net-worth individuals and business owners.
People
Christopher Dunham
Founder
Founder with 25+ years of insurance industry experience. Previously worked at top national agencies before establishing Dunham Insurance Services in 1997 to provide more personalized client service. Continues to oversee strategic direction while maintaining active client relationships.
Brett Jewell
Manager
Experienced insurance manager responsible for daily operations and client service standards. Specializes in commercial risk management solutions while ensuring adherence to the agency's diversity and inclusion policies. Holds multiple industry certifications and actively participates in local business associations.
Gisela Gaspar
Agent
Licensed insurance agent focusing on residential policies and new client acquisitions. Provides personalized coverage analysis while maintaining expertise in Florida's specific insurance requirements. Actively participates in community outreach programs and sustainability initiatives within the agency.
Questions
What types of insurance do you offer?
We provide homeowners, commercial property, auto/marine, business owners, flood, umbrella, and specialty insurance policies tailored to Florida's unique risks while serving clients nationwide.
How do you help clients save money?
As an independent agency, we compare multiple carriers to find competitive rates while offering policy bundling discounts and risk management strategies to reduce overall insurance costs.
Are you available after regular business hours?
Yes, our team provides 24/7 availability through phone and email for emergency claims assistance and urgent policy adjustments while maintaining regular office operations.
Do you serve areas outside Florida?
While based in West Palm Beach, we offer policy solutions to clients across all 50 states through our digital platforms and nationwide carrier partnerships.
How do you handle policy renewals?
We proactively manage renewals by sending timely reminders and reviewing coverage changes to ensure continued protection while seeking potential cost-saving opportunities annually.
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