About Bright Coast Insurance
A Florida-licensed independent insurance agency built to serve Florida businesses and homeowners — with deep expertise in the coverage lines that matter most in this state.
Who We Are
Bright Coast Insurance is a Florida-licensed independent insurance agency (License #L103957) specializing in commercial and personal lines insurance for Florida businesses and property owners. As an independent agency, we represent multiple carriers — not a single company — which means we can compare options and find the right coverage at the right price for each client.
Florida's insurance market is unlike any other state. Hurricane exposure, Citizens Property Insurance, the FWCJUA assigned risk pool, SIRS compliance for condos, coastal wind deductibles, and flood zone requirements create a complexity that requires genuine Florida expertise. We built Bright Coast specifically to serve this market.
We serve businesses and homeowners across Florida — from contractors and restaurants in South Florida to builders and HOAs in Central Florida to coastal property owners throughout the state.
Coverage Lines
We write commercial and personal lines insurance across Florida, with particular depth in the coverage areas most relevant to Florida's unique risk environment.
Florida Markets We Serve
We serve clients across all 67 Florida counties. Our primary markets include:
Licensed Managing Agent
Bright Coast Insurance is operated by a Florida-licensed insurance agent with direct experience placing coverage for contractors, property owners, and businesses across the state.
Nicholas Mladucky is the managing agent of Bright Coast Insurance, licensed by the Florida Department of Financial Services (License #W330601). He specializes in workers' compensation placement for Florida contractors — including FWCJUA assigned risk applications, class code audits, and experience modification analysis — as well as commercial general liability, builders risk, and coastal property insurance. He operates out of Pineland, FL on Pine Island in Lee County.
Free Tools for Florida Businesses
We've built free tools to help Florida businesses understand their insurance costs before they get a quote.
Get in Touch
We're available by phone and email to answer questions, provide quotes, and help Florida businesses and homeowners find the right coverage.