A man with dark hair and a beard smiling in a business suit and white shirt against a white background.

You built something real. Your insurance program should protect it.

I'm Luca Zarzana, commercial insurance broker for real estate investors and product businesses, nationally. Most programs I inherit have structural problems. I find them and fix them.

Who I work With

Aerial view of a city street in New York City with tall apartment buildings on both sides, trees lining the street, and cars parked along the curbs.

Real Estate Owners & Managers

Multifamily, industrial, retail, office, mixed-use. Single assets and portfolios. National, with deep market access in 43 States.

Real Estate
Three people walking through a large warehouse or store. The woman on the left is dressed in business attire, while the man in the middle and the woman on the right are wearing work or safety vests. Shelves filled with products are visible on the left and back, with bright overhead lighting.

Manufacturers & Distributors

Importers, wholesalers, private label brands, manufacturers. Product liability, cargo, and GL exposure that a standard BOP doesn't address.

Manufacturers & Distributors

MY APPROACH

Insurance should be designed,
not inherited.

Most insurance programs are built one renewal at a time. Properties are added, operations change, contracts evolve, and coverage gets layered on without anyone stepping back to review the whole structure.

I examine the exposures, values, contracts, policy language, and carrier fit, then rebuild the parts that no longer make sense.

An architectural blueprint with handwritten notes and a printed commercial property policy sheet. The blueprint shows a building layout with annotations in red ink about costs, law limits, and waterproofing. The policy sheet details coverage, liability, and notes for construction insurance, with some items highlighted in yellow and comments in blue or red ink. A black mug with the words 'FOCUS. PLAN. EXECUTE.' is also visible.

Every recommendation starts with understanding the risk.

Operations

How the property or business actually operates.

Coverage Structure

How the insurance program is built.

Underwriting Profile

The factors that drive pricing, terms, and carrier appetite.

Carrier Fit

Whether the account belongs with the market it's in today.

What I Fix

Switching carriers doesn't fix a program built wrong. The work is in the structure.

Real Estate

  • Replacement costs based on yesterday's portfolio

  • Policy language never reviewed after binding

  • Coverage that no longer reflects property acquisitions or renovations

  • Programs built over time instead of intentionally designed

Manufacturing & Distribution

  • Liability coverage that no longer matches the operation

  • Cargo and transit exposures treated as someone else's problem

  • Coverage that doesn't align with customer or vendor requirements

  • Placed with a carrier because of limited market access, not fit

Why people reach out

Not a new carrier. A program that was actually built to hold, examined line by line.

Most Conversations Start Here

  • Renewal increased with little or no explanation

  • Carrier non-renewed the account without a clear path forward

  • A claim exposed coverage they thought they had

  • The business changed, but the insurance never did

  • Questions went unanswered until renewal season

  • Coverage requirements changed, but the policy didn't

Contact

Ready to explore your coverage options? Reach out for a complimentary consultation and experience insurance tailored to your needs.