Meet Our Team

Chris Garro

(954) 965-6233 ext – 1003

I grew up in the Maryland /DC area. After high school, I came to Miami and attended Barry University where I graduated with my degree in Business Management in 1990.

I have 23 + years of experience as an owner-operator of an Independent Insurance Agency. I strive to give my clients the best service, solutions, and savings for all their insurance needs. What I enjoy most about my role is the fact that I get to be a mentor, teach, and lead a team of professionals every day. It makes me proud that we are able to help our customers make informed decisions on the insurance purchases they make with my agency.

During my time outside of the office, I love spending time playing with my dog! He is the center of my family’s universe. I especially enjoy going out shopping, dinner with my wife, and chilling at the pool or beach! I also occasionally enjoy cooking! I truly look forward to the holidays where I try to cook the best meals possible for my family and friends!

My wife and I have started volunteering at the Broward Humane Society and I am eager to go back and make a positive contribution.


Andrea Garro
Agency Manager

(954) 965-6233 ext – 1004

I grew up in Queens, NY  where my father and grandfather both had insurance agencies. I then moved to Florida when I was 10 and officially became a Floridian! I started working in insurance with my family at 18 and have been doing so since then. I’ve worked in the insurance industry for about 20 years now, I have experience in property & casualty and life & health.

I enjoy helping families find the coverage they need at a reasonable price. Shopping for insurance isn’t fun so I try to make the experience as pleasant as possible. I enjoy building a relationship with the client!

When I’m not helping my clients, I love traveling around the world, going to the movies and I enjoy watching soccer with my husband and sons. I also enjoy spending some time volunteering at the Broward County pet shelter and bathing puppies!

I do enjoy very much spending time relaxing on my couch maybe watching a movie. Or going out to dinner with my husband. My guilty pleasure is shoe shopping! I’m obsessed with shoes!

Anays Chirino
Insurance Agent

(954) 965-6233 ext – 1001

I grew up in Miami-Dade and I went to Miami Springs Senior High.

What I have learned if anything in the last few years is that a job is something you create on your own. There are several ways to do that, but one of the most common is to sell a product or service that people need no matter what the economy is like. This job is just one of the benefits of working in insurance. People will always need protection.

What excites me; is when clients try to know more than you when you have been doing this for more than 7 years. My best offer is the honesty that I give to my clients.

On my days off I enjoy going to the beach, walking on the sand and enjoying the sun. I never stop talking about my little princess Isabella.

I would say my talent is just being myself!

William Palacio
Commercial Insurance Agent

(954) 965-6233 ext – 1007

Hola, my name is William, which means “determined guardian”, and is exactly the way I like to conduct myself in business relations, within the industry.

A little history of myself; I grew up in the Hollywood/Pembroke Pines area. My family is from Medellin and Cali, Colombia. I went to Chaminade Madonna College Preparatory followed by a move to Georgia, to attend Gwinnett Tech for Software Engineering. After that, I made my way back to South Florida to be close to my family, once again.

I started as a captive agent with a corporate firm and realized I needed to go independent to be of better service to my clients with more than one product/line to offer. One aspect of my career that I enjoy most is helping friends and family have a better understanding of how insurance products work, especially within the communities that need help with comprehending insurance language and verbiage. I have accumulated over 10 years (wow, time flies!) in insurance and have specialized in Commercial and Homeowners Lines… but that doesn’t mean I can’t insure your tigers or cars. LOL. (I can do it all and like to think of myself as a bit of a renaissance man.)

I enjoy spending time with my family. A guilty pleasure would be shoes/fashion. I’m a huge foodie; name a spot, I’ve probably been there. Traveling or hitting the road with my lady. And most of all, creating forever lasting memories with my son.

Luz Camacho
Health Agent-Customer Service

(954) 965-6233 ext – 1002

Luz is truly a dedicated insurance agent that loves to take care of her clients as if each and every one of them were her family. She goes above and beyond to educate her clients and help them through the insurance buying process. She has over 30 years of experience in customer service with a background in hospitality and a degree in Travel & Tourism. Some of her favorite hobbies include traveling, shopping, and being a fun grandma! When she’s not in the office she loves to spend her free time with her kids and 3 grandsons.

Erica Montanez
Customer Service Representative

954-965-6233 ext – 1006

My name is Erica, I was born and raised in Miami with my grandmother, and I went to NYC at the age of 9-16yrs old to live with my mom. I came back to Miami with my grandma and have been here since; although I love Miami, I do miss NYC weather a lot. I am a very independent person, smart and very rough around the edges, but I love to help those that need help. I went to college to be a paramedic; that is my ultimate goal. My favorite people in the whole world are my kids and my furry Pitbulls.. I’ve been in the industry for almost 11 yrs have learned a lot, and I count to learn.