About Innovative Insurance Consultants

Our insurance firm was established in 1992 in Coral Springs, Florida and serves the greater Ft. Lauderdale area, as well as Palm Beach and all of South Florida. Tom Defranco, the President of the agency has been a Licensed Insurance Underwriter since 1982. Tom has a bachelor's degree in Business from Florida Atlantic University.

Tracy Defranco, the Vice President has been licensed since 1992. She has a Master’s in Business Administration from the University of Miami. Both Tom and Tracy are long time residents of Florida and have been in the Coral Springs / Parkland area for 20 years.

We are a full service insurance agency and are able to write all lines of Insurance. We specialize in Builders and Contractors and we handle all types such as plumbing, electrical, drywall, air conditioning, painting, landscaping, concrete, flooring and carpentry, as well as residential and commercial builders. We are Members of Gold Coast Builders Association and Painting and Decorating Contractors Association. We are also members of the Professional Insurance Agents of Florida, the Better Business Bureau of Greater Palm Beach County and various other trade associations.

Service is our number one priority, all certificates of Insurance are handled with the utmost urgency and all calls are returned the same day. Our efficient staff is capable of handling your business and personal insurance needs with courtesy and confidentiality.

Our Team

Thomas J. DeFranco
Title: President
Extension: 211
Email: tominnov@bellsouth.net
Tracy A. DeFranco
Title: Vice-President
Extension: 210
Email: Innovative@bellsouth.net
David L. Schwartz
Title: Commercial Lines Agent
Extension: 208
Email: davinnov@bellsouth.net
Kelly Goldstein
Title: Personal Lines Agent
Extension: 207
Email: kelinnov@bellsouth.net
Barry Goldstein
Title: Commercial Lines Agent
Extension: 206
Email: barinnov@bellsouth.net
Brian Mamo
Title: Commercial Lines Agent
Extension: 204
Email: briinnov@bellsouth.net
Jim Colella
Title: Life & Health Insurance Agent
Extension: 203
Email: jiminnov@bellsouth.net
Delilah Johnson
Title: Builders Risk, Wind, Flood CSR
Extension: 202
Email: delinnov@bellsouth.net

We Pride Ourselves On Our Service!


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Innovative insurance offers the following Business/Commercial Insurance products: General Liability Insurance, Workers Comp Insurance, Construction Insurance, Business Insurance, and Commercial Auto. For Personal Insurance, we offer: Auto and Homeowners Insurance. From our office in Coral Springs, Florida, we serve Ft. Lauderdale and all surrounding cities, Palm Beach County, and the rest of South Florida. Our address is 5461 N. University Drive, Suite#103 Coral Springs, FL 33067. Our phone number is (954) 340-9551.