Ryan J Stoyles, Insurance Broker

04/22/2026

🚨 Cyber attacks aren’t slowing down — but your business shouldn’t have to panic every time someone clicks an email that looks a little too friendly. 😅💻

From ransomware to data breaches to that one employee who still uses “Password123,” cyber threats are everywhere. And the truth is: Small and mid‑sized businesses are the #1 target.

That’s why Cyber Insurance isn’t optional anymore — it’s essential. It helps with:

🔐 Data breach response
🛠️ System restoration
💸 Financial protection from cyber extortion
📞 Expert help the moment something goes sideways
🧹 Cleanup + recovery so you’re not left holding the digital mess

And the good news?
I sell Cyber Insurance in both Florida and Indiana — helping businesses stay protected, prepared, and confident no matter what the internet throws at them.

If you want your business to stay safe, smart, and stress‑free, send me a message.

I’ll help you lock things down tighter than a scammer’s fake “Amazon refund” email.

— Ryan, your friendly neighborhood insurance broker 🛡️✨

04/09/2026

Ever give someone advice and immediately think,
“Oh no… I should NOT have said that out loud.”

Boom. That’s Professional Liability Insurance.
It’s the “I’m a professional, but also a human being who occasionally goofs” policy.

If you’re an architect, consultant, accountant, marketer, therapist, dog whisperer, or anyone who sells your brain for a living…this is the coverage that steps in when your expertise accidentally turns into an oopsie-daisy.

And yes — I sell it. Because I know even the best pros have had at least one moment where they thought: “Please don’t sue me, I swear I meant well.”

Professional Liability is basically:
👉 “Protect me from the consequences of someone taking my advice too literally.”
👉 “Cover me if my brilliant idea turns out to be… less brilliant.”
👉 “Save me from that one client who screenshots everything.”

If your business runs on advice, designs, recommendations, or late-night emails written under the influence of caffeine and confidence… I’ve got you covered before your ‘my bad’ becomes a financial faceplant.

Email me at [email protected] if you want to protect your professional reputation —
or if you just want to confess the worst advice you’ve ever given.

I won’t judge. I’ll just insure you.

04/06/2026

Proud to be a member. 😎

🎉 Welcome, Renegade Insurance! 🛡️✨

We’re excited to welcome Renegade Insurance to the Plainfield Chamber of Commerce! Represented locally by Ryan J Stoyles, Insurance Broker, Renegade Insurance offers personalized insurance solutions designed to help individuals and business owners find the right coverage with confidence.

Ryan takes pride in building strong relationships with his clients, working one-on-one to understand their needs and provide thoughtful guidance through the insurance process. His approach focuses on clarity, responsiveness, and making sure clients feel informed and supported every step of the way.

We’re proud to have Renegade Insurance join our Chamber family, bringing trusted service and tailored coverage solutions to the Plainfield community! 🤝✨

Help us give them a warm Chamber welcome in the comments! 👋

03/28/2026

🌞 Kicked off my morning yesterday at 8am with my very first Plainfield Chamber of Commerce get together at Oasis Diner — and wow, what a welcome!

Nothing like walking into a room full of friendly faces, hot coffee, and the kind of breakfast that makes you rethink every other breakfast you’ve ever had. Oasis Diner did not disappoint. It's a blast from the Past, reminding me of growing up in Mason City, IA.

I’m truly grateful for how open‑armed and genuine everyone was. If this is what Chamber life is like, I’m all in.

Looking forward to getting involved, building relationships, and enjoying this membership every step of the way.

Here’s to many more mornings like that ☕🥞

03/25/2026

"You cannot have a positive life and a negative mind."

~ Joyce Meyer

03/22/2026

🏡❤️ Protecting Your Home — and the People You Love

Life can change in an instant, and for many families, the mortgage is one of the biggest monthly responsibilities they carry. That’s why I’m now offering Mortgage Protection Insurance — a simple, affordable way to help keep your family in their home during the toughest moments.

💡 What Is Mortgage Protection Insurance?
It’s a type of life insurance designed specifically to help cover your mortgage balance if a homeowner passes away. Instead of leaving loved ones with a major financial burden, this coverage steps in to help pay off the home — giving your family stability when they need it most.

🛡️ Why It Matters
When a family loses someone, the emotional weight is already overwhelming. Mortgage Protection Insurance helps make sure they don’t also face the fear of losing their home. It provides:
• Financial security during a difficult time
• Peace of mind knowing the home is protected
• A safety net for spouses, kids, or anyone depending on
that roof over their head

Your home is more than a property — it’s memories, comfort, and the place your family feels safe. Let’s make sure it stays that way.

📲 If you’d like to explore options or see what this coverage could look like for your family, I’m here to help.

03/17/2026

Wishing you a pot of gold and a day filled with luck

03/13/2026

"You cannot do kindness too soon, for you never know how soon it will be too late."

Ralph Waldo Emerson

03/10/2026

🚚💼 Got A Fleet? I Got A Team To Meet Your Insurance Needs.

When you work with me, you’re not just getting one insurance pro — you’re getting a full powerhouse team with over 75 years of combined trucking‑insurance experience behind you.
We know the coverages, the carriers, the DOT headaches, the renewal battles… all of it. And we’re ready to put that expertise to work for your operation.

I’m licensed in both Florida and Indiana, so whether your trucks run the sunshine, the cornfields, or both, I’ve got you covered.

Want my team working for you?
Just scan the QR code, call, or email me and I’ll get the wheels turning.

📞 239‑790‑0773
📧 [email protected]

Let’s keep your fleet protected and your business rolling strong. 🚛🔥

03/09/2026

🌟 Why Every Business Owner Should Care About Surety Bonds 🌟

Running a business means juggling a thousand moving parts, but one thing that often gets overlooked—yet can make or break your credibility—is having the right Surety Bonds in place.

Surety bonds aren’t just another box to check. They’re a powerful tool that protects your clients, strengthens your reputation, and opens doors to bigger opportunities. Here’s why they matter:

🔹 Builds Trust Instantly
Clients feel more confident working with a bonded business because it shows you’re committed to accountability and professionalism.

🔹 Protects Your Customers (and Your Reputation)
If something goes wrong—like unfinished work or unmet obligations—the bond ensures your client isn’t left hanging. That protection reflects directly on your integrity.

🔹 Required for Many Projects
Government contracts, construction jobs, and even some service industries require surety bonds. Without them, you could be missing out on major opportunities.

🔹 Sets You Apart From Competitors
Being bonded signals that your business is reliable, financially stable, and serious about doing things the right way.

In short, a surety bond isn’t just a formality—it’s an investment in your business’s credibility, growth, and long-term success. 💼✨

If you haven’t explored bonding options yet, now’s the perfect time to start strengthening your foundation.

03/04/2026

Errors & Omission insurance is basically the “Oops Protection Plan” for businesses. It steps in when a client says, “Hey… that thing you did (or didn’t do) cost me money,” and you’d prefer not to fund their anger with your bank account.

Think of it as:
- Your professional “undo” button
- Your safety net for honest mistakes
- Your shield against the “You should’ve known better!” crowd

We sell it in Florida and Indiana, because mistakes happen everywhere… not just on I‑4 or I‑465.

02/24/2026

Explaining commercial insurance to business owners:
➡️Per Claim Limit = we’ll cover ONE disaster.
➡️Aggregate Limit = we’ll cover ALL your disasters for the year.

Sounds easy until someone asks...

"Okay but what if a chihuahua steals the company credit card, drives the forklift through the break room wall, starts a small fire microwaving a chicken cordon bleu, AND then bites the office’s unofficial mascot… a hyper‑caffeinated llama we rescued from a petting zoo?"

My answer:
➡️Per Claim covers ONE of those.
➡️Aggregate covers the entire chihuahua ‑ llama ‑forklift cinematic universe.

☎️Call me before your workplace turns into a Discovery Channel special.
239-790-0773 or email [email protected].