
Welcome to Global Elite Insurance. We are a private agency established in 2012 in Coral Gables, Florida, with 20+ years of experience and excellence in services. The Global Elite agency is a unique agency catering to high-net-worth individuals. We offer customized tailored insurance programs and the highest level of personalized services. We are able to insure your most valuable treasures such as fine art and jewelry, luxury homes, high-performance and collector automobiles, yachts, valuable antiques, etc. We can also provide special event insurance for private social gatherings.
Ask us about Homeowners, Collections, Auto, Umbrella, Flood, and more.
"We are all of us stars, and we deserve to twinkle."
Marilyn Monroe
We earn our business through hard work and dedication. We offer complimentary personal and commercial insurance policy reviews. Please contact us to request a policy review or a new quote. We have saved our clients millions of dollars in premiums as well as drastically improved insurance coverages for many of our valued clients. Through our review process we may also identify and correct mistakes in policies resulting in enormous refunds to our insureds. Additionally, we may be retained as consultants assisting with disputes, complaints and claim assistance.
"An investment in knowledge always pays the best interest."
Ben Franklin
Our excellent broker and underwriter relationships give us an advantage to better serve our clients among the competition. Our insurance companies provide the highest level of service and most superior financial stability ratings. Foremost, we strive to establish long standing relationships with our clients. Many of our clients have worked with our agents for decades. We handle each case with care and diligence and work to achieve a friendly and comfortable environment for our valued clients. Carrie Loper, the agency president can be reached directly by cell phone and often will assist insureds after work hours, nights and weekends. Our vast network of clients includes Doctors, Surgeons, Lawyers, Judges, Engineers, Real Estate Investors, Agents, Brokers, Counselors, Teachers, Musicians, Celebrities and Entrepreneurs.
"I admire our clients. They are the definition of success. Success should be celebrated!"
Carrie Loper
"Thank you so much for who you are, you make a great difference in this world." Pascale
"I don't know how to thank you enough! You were definitely placed in my life
for a reason and I thank you so much." Lupe
Please visit our facebook Reviews to see what our customers have to say.
"A business that makes nothing but money is a poor business."
Henry Ford
Insured locations purchased, sold or listed for sale:
Indian Creek, FL home sold for $49,900,000 in 2019
Coconut Grove, FL home sold for $10,000 in 2021
Laguana Beach, CA home sold for 6,895,000.00 in 2022
Coral Gables, FL business sold for $7,500,000 in 2023
Sparta, NC home purchased for $1,670,000 in 2023
Coconut Grove, FL home purchased for $2,670,000 in 2023
Coconut Grove, FL home listed for $48,000,000
Coconut Grove, FL home listed for $3,075,000
Coconut Grove, FL home listed for $2,950,000
Complimentary insurance appraisals performed:
Miami Beach, FL home $69,550,000 in 2013
Private Island FL home $33,789,000 in 2013
Coconut Grove, FL home $6,138,000 in 2019
Insured construction projects:
Coconut Grove, FL home $3,500,000 in 2021
Carrie Loper is a licensed Risk Management Consultant, President and CEO of Global Elite Insurance. She began working in the insurance business at an early age of seventeen. Carrie also worked in property inspection, utilizing her General Contractor and Builder relationships to gain knowledge and expertise in property insurance. She also
Carrie Loper is a licensed Risk Management Consultant, President and CEO of Global Elite Insurance. She began working in the insurance business at an early age of seventeen. Carrie also worked in property inspection, utilizing her General Contractor and Builder relationships to gain knowledge and expertise in property insurance. She also attended real estate courses at Miami Dade College and worked a second job assisting a mortgage broker with loan modifications for homeowners during the economic crisis in 2008. She later joined the Florida Building Commission to stay informed of the latest building code changes. Having become an expert in property insurance, Carrie began teaching seminars for other agents on personal insurance products, personal and commercial Citizens insurance products, construction and property replacement cost valuations. Then in September of 2012, she decided to open her own agency, founded on the very principles that have made her so successful. Carrie is also an advocate for consumers and has successfully assiste policyholders with Property & Casualty and Health Insurance disputes and resolutions.
Joseph Lefebvre is a licensed Customer Service Representative providing technical support and focuses on remarketing Personal Automobile accounts to ensure the lowest renewal rates possible. Joseph delivers important reminders to policyholders and provides a cost comparison of expiring automobile policies and new business quotes. Joseph h
Joseph Lefebvre is a licensed Customer Service Representative providing technical support and focuses on remarketing Personal Automobile accounts to ensure the lowest renewal rates possible. Joseph delivers important reminders to policyholders and provides a cost comparison of expiring automobile policies and new business quotes. Joseph has a background in retail sales of musical equipment and is an accomplished musician. Joseph has helped customers evaluate electric guitar collections and musical equipment. Joseph has a special interest in insuring musical instrument collections and is known as the Insurance Rockstar!
Claudia Torres is a licensed Independent Agent with a focus on Personal Insurance programs such as Homeowners, Automobile, Umbrella, Collections and Flood insurance. Claudia has worked in the Insurance industry for 20+ years. Claudia has successfully assisted Foreign national clients relocating to the United States and is a recognized expert in the Latin American community.
Our licensed Independent Agents are happy to assist you! We enjoy a lighthearted and friendly work environment. We also work with Agents on a referral basis providing support to their clients in need. Our agent partners can confidently refer their valued clients. We strive to achieve client satisfaction and exceed expectations. Additiona
Our licensed Independent Agents are happy to assist you! We enjoy a lighthearted and friendly work environment. We also work with Agents on a referral basis providing support to their clients in need. Our agent partners can confidently refer their valued clients. We strive to achieve client satisfaction and exceed expectations. Additionally, we help Real Estate Agents by providing fast and efficient service for closing transactions. We can assist with Residential and Commercial Properties.
Please contact us directly for detailed explanations.
Property and Causalty lines of business including but not limited to the following:
Homeowners
Valuable Articles
Flood
Umbrella
Auto
Marine
Aircraft
Builders Risk
Commercial Property
General Liability
Workers Comp
Excess Liability
Crime
Cyber Liability
Professional Liability
Dwelling coverage or “Coverage A” listed on the Homeowners or Dwelling policy declaration page provides coverage for repair or reconstruction of the insured home. Coverage is provided for covered causes of loss described as “perils insured against” in the policy insuring agreement. Covered perils may include fire, theft and windstorm. Dwelling coverage includes structural attachments such as adjoined swimming pools and does not extend to detached items such as personal property within the home or separated other structures located at the insured premises. The Dwelling coverage is a Replacement Cost coverage policy unless stated otherwise. The “loss settlement” section of the policy insuring agreement explains payment procedure in the event of a claim. The policy Dwelling coverage limit is determined by computer software customized by insurance companies and should be updated periodically using estimates from local contractors. Insurance agents will require the home construction details for completion of any required replacement cost estimates. Should detailed construction information be unknown or limited a Dwelling coverage increase or a 3rd party replacement cost inspection may be recommended. Some insurance companies allow an increase of up to 25% over the replacement cost estimated value. Private insurance companies should perform their own replacement cost inspections for high value homes, normally within 30 days from the time the policy is purchased. Insurance companies may require a Dwelling coverage increase if the home is under-insured. Most Homeowners insurance policies include inflation guard, meaning the Dwelling limit will automatically increase at renewal time. The Dwelling limit increase is normally between 4% and 6%. The cost of building materials, labor and equipment may increase over time. Changes in the Home construction such as upgrades and additions should be reported, and the Dwelling limit adjusted accordingly.
*Please refer to your current policy insuring agreement for exact coverage details and language.
Other Structures Coverage or “Coverage B” listed on the Homeowners or Dwelling policy declaration page provides coverage for permanent structures detached from the Dwelling. Examples include fencing, a detached guest house, shed, gazebo, barn, boat dock, etc. Swimming pools that are attached to the Dwelling by cement slab, foundation or other structural means are not considered Other Structures. A detached swimming pool separated by earth or grass would be considered an Other Structure. The Other Structures coverage limit is often a percentage of the Dwelling limit ranging from 2% to 10%. Although many private insurance companies will provide a quote for a specified limit. Some insurance companies will automatically include a 10% Other Structures coverage limit that cannot be amended or excluded. Most companies however will allow Other Structures to be excluded or increased.
*Please refer to your current policy insuring agreement for exact coverage details and language.
Personal Property Coverage, also known as Contents Coverage or “Coverage C” listed on the Homeowners or Dwelling policy declaration page provides coverage for non-structural or loose items within the insured home. Examples of Personal Property include furniture, clothing and plug in appliances. Personal Property coverage may be provided on a ACV actual cash value basis or RC replacement cost basis. ACV includes age depreciation. For example a five year old refrigerator may cost $3,000 to replace new. With depreciation applied the claim payment would be less than the cost of replacement resulting in an out of pocket expense. RC replacement cost coverage provides full replacement cost without depreciation. RC can be purchased by policy endorsement, although some insurance companies automatically include replacement cost coverage. The RC policy endorsement does not increase the limit of personal property coverage shown on the homeowners policy declaration page. Coverage limitations apply to property outside of the insured home in transit. Additionally, homeowners policies limit theft coverage for certain valuables such as jewelry and firearms. For example; theft coverage for jewelry limited to only $1,500 subject to a high policy deductible may result in $0 coverage for a theft claim isolated to only jewelry. A Valuable Articles policy or Collections policy can be purchased to provide replacement cost coverage for expensive jewelry, fine art, antiques, firearms and other high value items. Coverage can be requested by scheduling each item for full replacement value via an itemized list or by blanket coverage with a total collection value and maximum limit per item, usually $10,000.
*Please refer to your current policy insuring agreement for exact coverage details and language.
Loss of Use Coverage or “Coverage D” listed on the Homeowners or Dwelling policy declaration page provides coverage for living expenses including housing accommodations in the event the insured home is not livable due to a covered loss. For example, a fire causes significant damage to the insured home and as a result will be undergoing construction for a few months. The home must be vacant while under construction and is not livable. Loss of Use coverage can cover the expense of a home rental or hotel during the time the insured home is not usable. The Loss of Use coverage limit is normally a percentage of the Dwelling limit. Usually 10% or 20% depending on the insurer. Although some private companies may offer higher limits of coverage.
*Please refer to your current policy insuring agreement for exact coverage details and language.
Personal Liability Coverage or “Coverage E” listed on the Homeowners or Dwelling policy declaration page provides coverage for claims of property damage and bodily injury sustained by others for which the policyholder or insureds are legally responsible. For example, if someone slips and falls becoming injured at the insured premises. A child or guest could become injured playing outside or swimming in a pool, or the insured could be trimming a tree and in the process causes damage to the neighbors' home. Most Homeowners insurance policies normally provide a minimum of $100,000 in personal liability coverage, meaning the insurance company can pay up to that amount in the event of a claim. Excess liability coverage can be purchased separately via an umbrella policy. Umbrella insurance companies normally require a minimum liability coverage limit of $300,000 on the Homeowner's policy in order to apply for umbrella coverage. Umbrella coverage is sold in increments of $1,000,000. It is recommended policyholders consult with financial advisors to determine an appropriate limit of coverage to adequality protect their personal assets or consult with an attorney to determine what assets could be at risk in the event of a claim or lawsuit.
**Please refer to your current policy insuring agreement for exact coverage details and language.
Medical Payments Coverage or “Coverage F” listed on the Homeowners or Dwelling policy declaration page provides coverage for Medical Payments to others who are injured at the insured premises. The following is a excerpt from a Citizens HO3 Homeowners policy for example: We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing "bodily injury". Medical expenses means reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents of your household except "residence employees". As to others, this coverage applies only: 1. To a person on the "insured location" with the permission of an "insured"; or 2. To a person off the "insured location", if the "bodily injury": A. Arises out of a condition on the "insured location" or the ways immediately adjoining; B. Is caused by the activities of a "insured"; C. Is caused by a "residence employee" in the course of the "residence employee's" employment by an "insured"; or D. Is caused by an animal owned by or in the care of an "insured".
Updated 5/2023
*Please refer to your current policy insuring agreement for exact coverage details and language.
Loss Settlement Basis: (i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc.). Replacement cost coverage pays for replacement of insured property, like, kind and quality without depreciation. Please review your insuring agreement for details. The following is an excerpt from a Citizens HO3 policy insuring agreement: Loss Settlement – Buildings at replacement cost. However, if at the time of loss, the amount of insurance you have purchased for the insured building is less than 80% of the value of the building, we will not pay you replacement value. Instead we will pay the greater of either actual cash value of that part of the building damaged or a proportion of the cost to repair or replace that part of the damaged building which the total amount of insurance in your policy on the building bears to 80% of the replacement cost of the building.
Updated 5/2023
*Please refer to your current policy insuring agreement for exact coverage details and language.
For example; the following is an excerpt from a Citizens HO3 Homeowners policy insuring agreement: Ordinance or Law coverage is an important coverage provided to help meet the increased costs incurred to repair or replace damaged buildings in accordance with ordinances or laws that regulate construction, repair or demolition. This coverage is available at either 25% or 50% of the Coverage A limit of liability shown in your policy Declarations. Ordinance or Law coverage in the amount of 25% of the Coverage A limit of liability may be included in your policy at no additional premium. If you choose (or have chosen) the 50% option, the additional coverage and premium will be reflected in your policy Declarations.
Updated 5/2023
*Please refer to your current policy insuring agreement for exact coverage details and language.
For quote requests through our website or email please kindly include the following:
Homeowners; copy of existing policy or purchase closing date, property location address, any claim details in the past five years, occupancy and usage information.
Auto; copy of existing policy, bill of sale or year, make, model & VIN number.
Flood; Elevation Certificate if available and property usage.
Mailing: 2520 Coral Way Suite 2075 Miami, FL 33145
Monday - Friday: 10am - 5pm
Evenings: Assistance available upon request
Saturday & Sunday: For urgent requests call or send a text to 305 582-5573
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Thank you for your business!