Insurance Agents Miramar Beach, FL

Staff Directory

Meet our team

People behind your protection

At Sun, Surf & Sand Insurance Services, we believe insurance decisions start with listening. Meet the people who help Florida individuals, families, and businesses explore coverage suited to their needs.

Agency leadership

Scott Zambarano

Agency Owner / Vice President

Scott Zambarano brings 12 years of insurance industry experience to his work helping clients understand their options and make informed coverage decisions. Before entering insurance, Scott served with the Providence Police Department. A career-ending injury led him to a new professional path in the insurance industry.

Scott also owns an insurance agency in Rhode Island. Through that business, he has served Florida insurance clients for approximately 10 years. In 2021, he founded Sun, Surf & Sand Insurance Services to bring an independent, service-focused insurance approach to the growing Emerald Coast community.

Scott holds a Florida 2-20 insurance license. His areas of focus include high-value coastal homes, vacation rentals, flood insurance, and business coverage, particularly for restaurants and contractors.

His approach is straightforward: listen to each client's circumstances, explain the available options clearly, and help identify coverage that fits their priorities rather than focusing on price alone.

Independent guidance: Our agency can explore options from multiple insurance carriers and review coverage as clients' needs change.

Learn more about our agency's story and approach.

Agency leadership

Alex E. Mazika, III

President

Alex serves as President of Sun, Surf & Sand Insurance Services. Together with the agency team, he supports the firm's commitment to attentive service and insurance guidance.

Our people