Search » Florida » Lakeland » Ermonfils Risk Advisors

Ermonfils Risk Advisors

At ERA Insurance Group, we believe insurance should be simple, personal, and tailored to your needs. We proudly serve individuals, families, and business owners throughout Florida, helping our clients protect what matters most.

We offer a wide range of insurance solutions, including:

  • Homeowners Insurance
  • Auto Insurance
  • Commercial Insurance
  • General Liability Insurance
  • Trucking Insurance
  • Business Owners Policies (BOP)
  • Workers’ Compensation
  • Landlord and Rental Property Insurance
  • Umbrella Insurance
  • Flood Insurance

What makes us different is our commitment to education and service. We take the time to understand your unique situation, explain your coverage options in plain language, and help you make informed decisions—not just sell you a policy.

Whether you’re buying your first home, growing your business, starting a trucking company, or simply looking for better coverage and rates, our team is here to guide you every step of the way.

When you schedule an appointment with us, you can expect a friendly, no-pressure conversation focused on your needs and goals. We’ll review your current coverage, identify any gaps, answer your questions, and provide customized solutions designed to protect your assets and your future.

Our mission is simple: build lasting relationships by providing trusted advice, exceptional service, and insurance solutions that give our clients confidence and peace of mind.

We look forward to earning your business and becoming your trusted insurance advisor.

Address

Tehama Court
Lakeland, Florida 33805

Office Hours

  • Monday - Friday 8:00 AM - 7:00 PM
  • Saturday 11:00 AM - 5:00 PM
  • Sunday Closed

Why our clients choose us

“I recently worked with Jose to review my home insurance coverage, and I couldn’t be happier with the experience. Jose was knowledgeable, professional, and took the time to explain all of my options without any pressure. After carefully evaluating my existing policy, he helped me switch to a new plan that provided the coverage I needed while saving me more than $1,300 annually. His attention to detail, responsiveness, and commitment to finding the best solution for his clients truly set him apart. If you’re looking for an insurance agent who is honest, reliable, and genuinely focused on helping you save money while maintaining quality coverage, I highly recommend Jose. Thank you for making the process simple and for delivering such outstanding results!”
“Jose was beyond helpful, even took the time out on the weekend to answer questions and help get my insurance situated… highly recommended for prompt and professional guidance!!! Thanks for all your help.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (MPL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

women at office with ipad in her hand
Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

Agents & Brokers

Let's Work Together

Small Businesses

Policyholder Help Center

At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!