Insurance Agency That Works for Your

Your Partner in Comprehensive Protection

A man in a suit and tie is under an umbrella.

Your Trusted Partner in Comprehensive Insurance Solutions

At Capital Risk Insurance Group, we specialize in simplifying the complexities of insurance to provide you with peace of mind. Our extensive array of Medicare, life, health, and commercial insurance policies is meticulously crafted to deliver all-around protection, tailored to both personal and business contexts. We are dedicated to understanding your unique circumstances and industry challenges, ensuring that our solutions not only meet but exceed your expectations. Trust us to be your guiding partner in securing your future with professionalism and care.

Your Assurance in Comprehensive Insurance Solutions

We recognize the uncertainties of life and the challenges of maintaining good health in today's dynamic world. That's why we offer comprehensive and customized Medicare, life, health, and commercial insurance coverage to protect against the unexpected while keeping premiums affordable.


With years of experience, we appreciate the unique needs of individuals and families. Whether you're securing your family's future with life insurance, safeguarding against unforeseen medical expenses with health or Medicare insurance, or protecting your business with commercial coverage, we have tailored solutions to fit your requirements and budget.


We understand the risks of running a business, and our mission includes providing robust commercial insurance to shield your operations from unexpected setbacks. Our dedication to safeguarding your most valuable assets—your life, health, and business—has made us a trusted partner across various industries. With Capital Risk Insurance Group, you gain peace of mind knowing we're here to support you through life's challenges.

Experienced Professionals By Your Side

At Capital Risk Insurance Group, we firmly believe that insurance should never be a one-size-fits-all solution. We extend this belief across Medicare, life, health, and commercial insurance, recognizing that every individual, family, and business faces unique risks and protection needs. Our team of experienced professionals works closely with you to understand your specific requirements, whether it's securing your family's future, shielding against unforeseen medical expenses, or safeguarding your business from unexpected setbacks.


We pride ourselves on delivering personalized insurance coverage that meets your concerns while keeping premiums affordable. Our extensive knowledge allows us to design comprehensive policies that protect where it matters most. We ensure you fully understand your coverage by walking you through policy details, explaining exclusions or limitations, and addressing any questions you may have. With Capital Risk Insurance Group, you can have complete confidence in your insurance solutions.

Tailored Solutions to Suit Your Individual Needs

We take pride in forming strong partnerships with our clients, ensuring personalized service at every step. Whether you're exploring new insurance options or navigating the claims process, we are dedicated to guiding you with expertise and care.


Understanding that each client is unique, our team is committed to offering tailored solutions to meet your individual needs. We take the time to listen to your concerns, providing expert guidance on the coverage options that best protect you. Our knowledgeable team is always ready to assist, ensuring you have the information needed to make informed decisions with confidence.

Melissa Lovera, insurance agent

Joel and Melissa

Licensed Insurance Agents

Joel Llanes and Melissa Lovera are dedicated and highly skilled licensed commercial and life insurance agents based in the vibrant city of Sunrise, Florida. With years of experience under their belts, Joel and Melissa have carved out a reputation for providing comprehensive insurance solutions that are as unique as their clients’ needs.


Their expertise spans across commercial and life insurance, where they diligently work to ensure their clients are well-protected against unforeseen circumstances. Joel and Melissa’s approach revolves around understanding each client’s specific situation and tailoring insurance plans that fit. Whether it’s small businesses looking for liability protection or individuals seeking life insurance, their knowledge and commitment are unmatched.


Possessing a strong commitment to their community, Joel and Melissa believe in going above and beyond to deliver exceptional service. Their professional yet personable approach has earned them the trust of countless clients throughout Sunrise and the surrounding regions.


Looking for unparalleled insurance advice? Contact us today and let Joel and Melissa guide you through your insurance needs.

Trust that You Are in Good Hands

With Capital Risk Insurance Group, you can trust that you are always in good hands. Contact us today for a free quote or to learn more about the different types of insurance coverage we offer. We look forward to protecting what matters most to you.

A blue triangle with a white circle in the middle on a white background.

Knowledgeable

Trust our experienced professionals to guide you in making informed decisions about insurance policies.

A blue icon of a person with a heart and a check mark on it.

Honest

Honesty and transparency is at the heart of our approach to helping you find the right coverage for your needs.

Two hands shaking with three stars in the background.

Reliable

With our policies underwritten by highly rated insurance carriers, you can trust that you're protected when an unexpected event occurs.

A man in a suit and tie is under an umbrella.

Licensed Professionals

Our team of licensed agents provide a personalized approach to insurance, crafting commercial insurance policies that meet your individual business needs.