Sultan Sultan
I've managed hotels, sold real estate, run operations across ten states, and built a career in commercial finance. Every one of those taught the same lesson: you find out what your coverage is worth on the worst day, not the day you bought it.
Who we work with
Hotels, restaurants and contractors
We've run a property with a payroll, a liquor licence and a franchisor's insurance requirements to satisfy. We know what innkeeper's liability is for, why assault-and-battery coverage gets carved back to a sublimit, and what your franchise agreement will actually demand. That conversation goes faster with us.
Families and homeowners
Most people carry the limits they were sold on day one and have never revisited them. We look at what you own, what you'd have to replace, and what you could be sued for — then recommend limits that match. If you're already in good shape, we say so.
Anyone who's been with the same carrier a while
Rates move for reasons that have nothing to do with you — carriers refile, storm losses reprice a whole state, your own life changes. The best deal three years ago may not be the best deal today, and no one is going to call and tell you. Checking is maintenance, not disloyalty. If you're already in the right place, we'll say so.
Licences and credentials
All of this is publicly verifiable. It should be.
- Producer licences
- Illinois #22321839 · Maryland #3004391826 · Virginia #1608753 — Property & Casualty
- Agency
- SmartRate LLC · Illinois business entity producer #3004380681 · National Producer Number 22326133
- Trading as
- ShopSmartRate Insurance Agency — assumed name registered with the Illinois Secretary of State
- Finance
- Certified in Commercial Banking & Credit Analysis (CBCA), Corporate Finance Institute
- Memberships
- Independent Insurance Agents of Illinois (Big “I”)
- Background
- Hotel general management · Licensed real estate · Multi-state operations and disaster response · Commercial finance
Verify any producer licence directly with the state — you don't have to take our word for it. Illinois: insurance.illinois.gov. Nationally, look up any agent by name or number at nipr.com.
All we need to get started
Your current declarations page, if you have one. Not your insurance card — the card proves you have insurance, the declarations page says what kind. That single document is what lets us compare like for like instead of guessing, and it's the difference between a real number and a teaser.
Let's see what you're actually paying for
Tell us what you're insuring. We put 40+ top-rated carriers against each other and bring back your best rate — same day, no obligation.