Karina Seminario – Top Latinos
Stuart, FL /LWW/ Karina Seminario, Agency Owner & Principal of haKso Insurance, has been recognized by the Top Latinos in the 2026 edition.
There are people who choose a career, and then there are people who answer a calling. Karina Seminario, Agency Owner and Principal of haKso Insurance in Stuart, Florida, belongs firmly in the second category. Since launching her independent agency on April 27, 2023, she has built more than a business. She has built a promise: that every family, every homeowner, and every small business owner in Florida deserves someone in their corner when life takes an unexpected turn.
Her guiding philosophy says it best: insurance is not for the if, but for the when. That simple shift in thinking changes everything. It moves insurance from an abstract, optional expense to an essential act of love and preparation. Karina has made it her mission to help people see that truth, and then act on it.
Karina’s path to becoming an independent insurance agent spans continents and cultures. As a first-generation immigrant, she brings a perspective shaped by resilience, adaptability, and a deep understanding of what it truly means to build something from nothing. She began her education at Colegio Nuestra Señora Del Lourdes in Piura, Peru, a foundation that shaped her values and her sense of community. She later continued her studies at Plantation High School and Broward Community College in South Florida, where her personal and professional roots deepened.
That blend of international and local experience gives Karina a rare point of view. She understands what it means to start over, to rely on community when times get hard, and to work for everything you have. Those experiences don’t just inform how she runs her business — they inform how she treats every single client who walks through her door.
haKso Insurance is a fully independent agency, which means Karina is not tied to any single insurance carrier. She works for her clients, not for a corporation. That independence allows her to shop across the market, compare options, and find coverage that genuinely fits each person’s needs and budget.
The agency serves all of Florida with a wide range of property and casualty products. Homeowners and renters can get coverage to protect their residences. Flood insurance is available for those in areas where rising waters are a very real concern. Drivers can find auto coverage, and those with a taste for adventure can protect their boats, ATVs, golf carts, recreational vehicles, campers, and mobile homes as well.
The breadth of that coverage matters. Life is complicated, and the risks people face are varied. Having one trusted advisor who understands all of it — and who can help connect the pieces — is something deeply valuable.
What separates a good insurance agent from a great one isn’t just product knowledge. It’s genuine care. Karina’s commitment to her clients goes beyond policies and premiums. She takes the time to understand people’s lives — their families, their businesses, their concerns. She explains options in plain language. She makes sure clients walk away not just covered, but confident.
That commitment shows up in how she defines her work: helping people protect what matters most. Those aren’t marketing words. They are a reflection of how she approaches every conversation, every quote, and every claim.
When a hurricane threatens a Florida coast, Karina’s clients don’t have to wonder if they’re protected. When a car accident happens on a Tuesday afternoon, they know what to do and who to call. When a business owner faces an unexpected liability, there is a plan in place. That peace of mind is what Karina delivers, every single day.
Karina Seminario does not stop at the office door. Her commitment to the people of South Florida runs deep, and her community involvement reflects that in concrete, meaningful ways. She serves on the board of directors for Elev8e Hope, an organization dedicated to lifting up individuals and families in the community. She also serves as PTSA President, advocating for students and supporting the schools that shape the next generation. And as a proud booster mom for the SFHS football team, she shows up for the young athletes who represent their school and community with pride.
That level of involvement is not a checkbox on a resume. It reflects who Karina is at her core — someone who believes that a strong community is built through consistent, intentional action. Whether she is sitting across a desk from a client or showing up at a school event or a board meeting, she brings the same energy and the same heart.
This kind of community investment creates a feedback loop of trust. Clients who see their insurance agent showing up for the neighborhood know she is invested in more than a transaction. They know she is a neighbor, an advocate, and a partner.
Florida is one of the most complex insurance markets in the country. The combination of hurricane exposure, flood risk, coastal properties, and a large retiree population creates a landscape where one-size-fits-all coverage simply doesn’t work. Having an independent agent who knows the Florida market, knows the carriers, and knows the community is not a luxury. It is a genuine advantage.
Karina built haKso Insurance specifically to serve this reality. She can work across carriers to find the best fit, and she has the local knowledge to understand the specific risks Florida residents and businesses face. Whether someone is insuring a waterfront home in Martin County, a fishing boat on the St. Lucie River, or a small business on Osceola Street, Karina brings expertise and options that a captive agent simply cannot match.
There is a moment most people can point to — a moment when they realized the value of being prepared. A storm that came without warning. A car accident on a clear afternoon. A pipe that burst while everyone was out of town. These are not rare events. They are part of life.
Karina’s philosophy reframes the insurance conversation in a way that is both honest and empowering. The question is never whether something will go wrong at some point. The question is whether you will be ready when it does. Choosing coverage is choosing to protect the people you love, the home you’ve worked for, and the business you’ve built.
That mindset — practical and caring all at once — is exactly what Karina brings to every client relationship. She doesn’t sell fear. She sells clarity, confidence, and genuine protection.
haKso Insurance opened its doors in the spring of 2023, and in a short time, Karina has established the agency as a trusted resource for Florida families and businesses across the state. With health insurance and Medicare coverage on the horizon, the agency’s ability to serve clients throughout the full arc of their lives is only expanding.
Karina’s story is one of purpose-driven entrepreneurship. As a first-generation immigrant who built her career and her business through hard work, community, and conviction, she came to this work because she believes in it. She stayed because of the difference she sees in her clients’ lives. And she continues to grow because the people of Florida deserve an insurance partner who genuinely cares about what happens to them.
Whether you are a first-time homeowner, a seasoned business owner, or someone who has been putting off the insurance conversation for too long, haKso Insurance is ready to help. Karina Seminario and her team bring deep product knowledge, personal attention, and a real commitment to your well-being to every interaction.
Reach out to haKso Insurance in Stuart, Florida, and take the first step toward protecting everything that matters most to you. Because it’s not a question of if you’ll need it. It’s only a matter of when.
Top Latinos is a prestigious New York publication dedicated to honoring the achievements of the Latino community. They meticulously identify and honor outstanding Latino professionals nationwide who have reached impressive levels of success in their respective fields. By showcasing their accomplishments, they aim to foster growth and appreciation of the Latino industry and culture. Since their establishment in 2010, Top Latinos has been wholeheartedly committed to fulfilling their mission of bringing awareness to the exceptional contributions made by the Latino professional and executive community.