Breaking Through the Insurance Crisis with Andrew Massie

In this episode, Andrew Massie of Plastridge Insurance shares his journey to supporting early education providers, eventually creating a special insurance program exclusively for childcare centers. Discover how Florida's childcare providers are navigating rising insurance costs, regulatory advantages, and a new Lloyd's-backed solution designed to ease the crisis.

Our Expert Andrew Massie

Andrew Massie is an insurance professional at Plastridge Insurance Company with over 10 years of experience in the industry. A Florida State University graduate with a degree in Risk Management and Insurance, Andrew has dedicated the last seven years exclusively to serving childcare facilities across Florida. His personal connection to early education deepened when he became a father to his daughter Haven, now 2 years old. Andrew's expertise spans general liability, professional liability, and specialized coverage for early education providers. His recent achievement includes developing an exclusive insurance program through Lloyd's of London specifically designed to address the insurance crisis facing childcare facilities.

About Plastridge Insurance Company

Plastridge Insurance Company is a Florida-based insurance agency licensed in 37 states, with primary operations throughout Florida. Under Andrew Massie's leadership in the early education sector, the company has become a specialized provider for childcare facilities, schools, and early learning centers. Plastridge Insurance recently partnered with Lloyd's of London to create an exclusive insurance program specifically designed for childcare facilities, addressing the significant market gap created by carriers leaving the Florida market. The company is committed to providing competitive, comprehensive coverage while understanding the unique regulatory environment and operational challenges facing early education providers.

In this episode, we cover:

- Florida's 4-year childcare insurance crisis
- Traditional carriers backing out
- New insurance solution built with Lloyd's of London
- How regulation and risk management improve insurability for providers

A sneak peek inside the episode:

“There's absolutely a gap because these childcare facilities are seeing unjustified premium increases. So, if we can put a program together that's very specific: it's exclusively for childcare facilities. There's a major need for it in the market. So that's basically what we did."

Contact information: 

Andrew Massie
Plastridge Insurance Company
Email: [e-mail]
Phone: [phone]
Website: plastridge.com/childcare-facility

Coverage Available: Currently serving Florida with plans for multi-state expansion

Specialization: General Liability, Professional Liability, Abuse & Molestation Coverage

Unique Features: Attendance-based (not capacity-based) premium calculations, exclusive program design