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Bell & Lyons Insurance

About Us

About Bell & Lyons Insurance

Your Trusted Insurance Partner in South Florida

We’re a full-service, tech-forward insurance agency based in North Bay Village, Florida — helping families and businesses find the right coverage at the best rates since day one.

Bell & Lyons Insurance office in North Bay Village, Florida
1,200+Florida Families Protected
$487Average Annual Savings
5.0 Google Reviews
24/7Claims Support
Our Story

Built on a Simple Belief

Insurance shouldn’t be complicated. Yet for too many families and business owners, finding the right coverage feels overwhelming — too many options, too little guidance, and too much fine print.

Bell & Lyons Insurance was founded to change that. We set out to build an agency that combines the warmth of a neighborhood partner with the power of modern technology — so you can compare top carriers, get real answers, and find coverage you can trust, all in one place.

Based in North Bay Village, Florida, we serve a diverse community of homeowners, drivers, entrepreneurs, and families across South Florida. Whether you speak English, Spanish, or French — we’re here for you.

Why Bell & Lyons

What Sets Us Apart

We’re not just another insurance agency. Here’s what makes the Bell & Lyons experience different.

Multi-Carrier Comparison

We compare rates from Progressive, GEICO, Kemper, Allstate, and more — so you don’t have to call each one.

Technology-Driven

Our AI-powered tools, instant quoting engine, and smart chatbot make getting covered faster than ever.

Personal Service

Behind the tech is a team that genuinely cares. We guide you through every decision and never leave you hanging.

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Multilingual Team

Serving South Florida’s diverse community in English, Spanish, and French — because insurance should be accessible to everyone.

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Competitive Rates

Our clients save an average of $487 per year. We find discounts others miss and fight for the best price.

Full Coverage Range

Auto, home, health, life, renters, commercial, Medicare, and more — all under one roof so nothing falls through the cracks.

How It Works

Get Covered in 3 Easy Steps

Our streamlined process gets you from question to coverage in minutes, not days.

1

Tell Us What You Need

Chat with Leo, our AI assistant, or call us. Share a few details about what you’re looking to protect.

2

Compare Top Quotes

We instantly compare rates from leading carriers and present you with the best options side by side.

3

Pick & Get Covered

Choose the plan that fits your budget and needs. We handle the rest — paperwork, activation, everything.

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Insurance is personal. Your coverage should protect what matters most to you — and you deserve an agency that treats it that way.

When I started Bell & Lyons, I had one goal: to build the kind of agency I’d want to work with myself. One that’s transparent, responsive, and genuinely invested in every client’s peace of mind. Whether you’re a first-time homeowner in Miami, a small-business owner in North Bay Village, or a family looking for the best auto rates — we’re here to make sure you’re never underinsured or overpaying. Thank you for trusting us with what matters most.

Rudy Bellaiche

Founder & CEO, Bell & Lyons Insurance

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(function(){ var WEBHOOK = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-webhook"; var EMAIL_ENDPOINT = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-notify-full"; var ZAPIER_ACORD = "https://hooks.zapier.com/hooks/catch/27012159/uvqfadw/"; var IS_COMMERCIAL = window.location.pathname.indexOf('commercial') >= 0; /* Fix 1: Set the missing data-webhook attribute */ document.querySelectorAll('[data-assistant-root]').forEach(function(r){ if(!r.dataset.webhook) r.dataset.webhook = WEBHOOK; }); /* Fix 2: Patch global postLead */ var emailSent = false; var _orig = window.postLead; if(typeof _orig === 'function'){ window.postLead = function(payload, target){ var result = _orig(payload, target || WEBHOOK); window.__blLastLeadPayload = payload; if (!IS_COMMERCIAL && !emailSent) { emailSent = true; try { fetch(EMAIL_ENDPOINT, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(payload) }).catch(function(){}); } catch(e){} } return result; }; } /* Fix 3: Track payloads from ALL lead-related fetch calls */ var lastPayload = null; var origFetch = window.fetch; window.fetch = function(url, opts){ if(typeof url === 'string' && opts && opts.method === 'POST'){ // Catch WordPress lead-webhook calls if(url.indexOf('lead-webhook') !== -1){ try { lastPayload = JSON.parse(opts.body); window.__blLastLeadPayload = lastPayload; } catch(e){} } // Catch Convex chatbot calls (necessary-curlew) if(url.indexOf('webhooks/lead') !== -1){ try { var convexData = JSON.parse(opts.body); var contact = convexData.contact || {}; var answers = convexData.answers || {}; // Map Convex chatbot format to flat format var mapped = { business_name: answers.business_name || answers.company_name || contact.name || '', contact_name: contact.name || '', _contact_name: contact.name || '', contact_email: contact.email || '', _contact_email: contact.email || '', contact_phone: contact.phone || '', _contact_phone: contact.phone || '', address: answers.address || answers.business_address || '', coverage_needed: answers.coverage_needed || answers.insurance_type || convexData.insurance_type || '', entity_type: answers.entity_type || answers.business_type || '', nature_of_business: answers.nature_of_business || answers.industry || '', annual_revenue: answers.annual_revenue || answers.revenue || '', employees: answers.employees || answers.num_employees || '', years_in_business: answers.years_in_business || '', _raw_convex: convexData }; lastPayload = mapped; window.__blLastLeadPayload = mapped; console.log('[BL-LEAD] Captured Convex chatbot data:', mapped.business_name); } catch(e){ console.warn('[BL-LEAD] Parse error:', e); } } } return origFetch.apply(this, arguments); }; /* Fix 4: Completion observer — also sends to Zapier for commercial */ document.querySelectorAll('[data-assistant-root]').forEach(function(root){ var log = root.querySelector('.assistant-log'); if(!log) return; var finalSent = false; new MutationObserver(function(){ if(finalSent) return; if(!root.querySelector('.bl-confirmation-wrap')) return; finalSent = true; if(lastPayload){ var final = Object.assign({}, lastPayload, { destination_email: lastPayload.destination_email || 'quotes@bellandlyons.com', quote_request_stage: 'completed_flow' }); origFetch(WEBHOOK, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(final) }).catch(function(){}); if (!IS_COMMERCIAL && !emailSent) { emailSent = true; origFetch(EMAIL_ENDPOINT, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(final) }).catch(function(){}); } // For commercial page: send lead data + ACORD PDF links to Zapier if (IS_COMMERCIAL) { console.log('[BL-ACORD] Commercial lead completed — sending to Zapier'); var lob = final.coverage_needed || ''; var acordForms = ['125']; var lobLower = lob.toLowerCase(); if (lobLower.indexOf('general') >= 0 || lobLower.indexOf('liability') >= 0) acordForms.push('126'); if (lobLower.indexOf('worker') >= 0 || lobLower.indexOf('comp') >= 0) acordForms.push('130'); if (lobLower.indexOf('auto') >= 0) acordForms.push('127'); if (lobLower.indexOf('property') >= 0 || lobLower.indexOf('bop') >= 0) acordForms.push('140'); var pdfBase = window.location.origin + '/wp-json/bell-lyons/v1/acord-pdf-proxy?form='; var zapierPayload = { business_name: final.business_name || '', contact_name: final.contact_name || final._contact_name || '', email: final.contact_email || final._contact_email || '', phone: final.contact_phone || final._contact_phone || '', address: final.address || '', lines_of_business: lob, entity_type: final.entity_type || '', annual_revenue: final.annual_revenue || '', employees: final.employees || '', subject: 'New ACORD Application — ' + (final.business_name || 'Commercial Lead'), pdf_url_1: pdfBase + acordForms[0], pdf_url_2: acordForms[1] ? pdfBase + acordForms[1] : '', pdf_url_3: acordForms[2] ? pdfBase + acordForms[2] : '', pdf_forms: acordForms.join(', '), num_forms: acordForms.length, timestamp: new Date().toISOString() }; origFetch(ZAPIER_ACORD, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(zapierPayload) }).then(function(r) { console.log('[BL-ACORD] Zapier response:', r.status); }).catch(function(e) { console.warn('[BL-ACORD] Zapier error:', e); }); // Also trigger the ACORD form filler (snippet #21) via event window.dispatchEvent(new CustomEvent('bl-acord-trigger', { detail: final })); } } }).observe(log, { childList: true, subtree: true }); }); })();
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