The Structure

How We Work

This Custom Harvest Insurance Program is structured as a specialty, niche-market, program-style insurance product. An identical insurance package is offered to a homogeneous client base and is managed by Custom Harvest Insurance, Ltd.

The program began in 1983 with the underwriting partnership of the USF&G Insurance Company. Over the years the program has evolved through various companies and program structures, including a five-year rent-a-captive setup.

This Custom Harvest Insurance Program is administered by Custom Harvest Insurance, Ltd. owned by Mike Esau and Larry Minner. Primary participating brokers include Jim Lyssy, Fort Sumner, NM; Sonny Walker, Plainview, TX; and Maribel Herrera, Immokalee, FL; Milton Carpenter Insurance, Inc, Belle Glade, FL; BIG Insurance Consulting, Belle Glade, FL; Pritchards and Associates, Okeechobee, FL; Bruce Hendry Insurance, Immokalee, FL; The Farmers Agency, Inc, Ashburn, GA.

One of our primary goals is to develop a long-term, trusting relationship with you.

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