Business Insurance for Florida Companies
Ricci Insurance Group is an independent insurance agency in Jacksonville, Florida that helps business owners protect what they have built. You have worked hard for this. We take the time to get to know your business, then look after every policy in one place, with real people you can reach by name. We work with restaurants, contractors, real estate investors, medical and wellness practices, and more.
A commercial insurance partner, not just a policy
You have put years into building your business. We think the people who insure it should know your name, how you operate and what worries you. Since 2014 we have grown from a small local agency into one of Northeast Florida's fastest-growing insurance firms, and that is still how we work.
Our commercial team looks after your general liability, workers' compensation, commercial property, commercial auto and fleet, umbrella, cyber and bonds as one program, so you are not chasing five agents for five policies. And if a claim ever gets complicated, we are here to step in.
- Who we insure
- Business owners, from a first hire to multi-location operations
- Specialties
- Restaurants and hospitality, contractors, real estate investors, medical and wellness, and more
- Coverage
- General liability, workers' comp, property, commercial auto and fleet, umbrella, cyber, employment practices liability, directors and officers, bonds, and more
- Agency type
- Independent insurance agency
- Service area
- Based in Florida and serving Georgia, North Carolina, Tennessee, California and Texas, with access to help clients in all 50 states.
- How to start
- Connect with an agent or call 904-710-2310
Industries
Which businesses does
Ricci Insurance Group specialize in?
We insure all kinds of businesses. These are a few of the industries we work with every day.
Restaurants & Hospitality
For restaurants, bars, cafés, caterers and hotels, where one kitchen fire or one guest injury can close the doors.
- General and liquor liability
- Property and equipment breakdown
- Food spoilage and business income
- Workers' compensation
Contractors
For general contractors and trades that need coverage to hold a license, win a bid and get on the job site.
- General liability with completed operations
- Workers' comp or exemption guidance
- Tools and equipment (inland marine)
- Commercial auto and bonds
Real Estate Investors
For owners of rental homes, multifamily and commercial buildings, including portfolios held in LLCs.
- Landlord and rental property policies
- Loss of rents
- Premises liability and umbrella
- Wind, flood and builder's risk
Medical & Wellness
For medical and dental offices, med spas, therapists, chiropractors and fitness and wellness studios.
- Professional liability (malpractice)
- Cyber liability for patient data
- General liability and property
- Workers' compensation
Coverage
What business insurance do we place?
Most of our clients have several of these working together. We line up the limits and renewal dates so nothing slips through a gap.
General Liability
Pays for third-party bodily injury and property damage claims, plus legal defense. Most leases and contracts require it.
Workers' Compensation
Covers medical care and lost wages when an employee is hurt on the job. Required for most Florida employers.
Commercial Auto & Fleet
Covers vehicles titled to the business, from one work truck to a full fleet, plus hired and non-owned auto.
Commercial Property
Covers your building, equipment, inventory and improvements, and the income you lose after a covered loss.
Umbrella
Adds liability limits above your general liability, auto and employer's liability policies.
Cyber Liability
Responds to data breaches, ransomware and fraudulent funds transfers.
Professional Liability
Covers claims that your advice, design or service caused a client a financial loss.
Employment Practices Liability
Covers claims from employees alleging wrongful termination, discrimination or harassment.
Directors & Officers
Protects the company and the personal assets of its leaders when a management decision is challenged.
Business Owner's Policy
Bundles property and general liability into one policy for small and mid-sized businesses.
Tools & Equipment
Inland marine coverage for tools, equipment and materials that travel to the job site.
Why Us
Why do Florida business owners choose Ricci Insurance Group?
One team for everything
Several locations, entities, vehicles and policies, all looked after by one commercial team. You make one call and we take it from there.
Here if a claim gets complicated
Our carrier partners do a great job handling claims. In the rare case there is a dispute or something stalls, we are here to step in and help you get it resolved.
Independent, so you have choices
We are not tied to one insurance company. We compare several carriers for you and explain the differences in plain language, so you end up with personalized protection and real value.
Locally owned and operated
We started in Jacksonville in 2014 and we are still locally owned and operated. Once your coverage is in place, you keep working with the same team that knows your business. You are never handed off to a call center. We are proud to be an Inc. 5000 honoree and a Jacksonville Business Journal Fast 50 and Best Places to Work company.
How do we get started?
Connect with an agent
Fill out the Connect With an Agent form or just call. In our first call, we will ask you about your operations, payroll, revenue and other exposures.We do the legwork
Our commercial agents take your business to the insurance companies that fit your industry best.We make a recommendation
We do not hand you a stack of quotes to sort through. We recommend the program we think is the best fit for your business and explain why.We stay with you
Certificates, audits and policy changes, plus help if a claim gets complicated. You always have someone to call.
Let's talk about your business
Send us your current policies, or just tell us what is on your mind. We will show you where you stand and what we would do next.
3721 Dupont Station Ct S, Jacksonville, FL 32217 · Monday to Friday, 8:30 AM to 5:00 PM, by appointment · info@ricciinsurancegroup.com
This page is general information, not a policy or a quote. Coverage, limits, exclusions and eligibility depend on the insurance company and the policy issued. Ricci Insurance Group, LLC is a licensed Florida insurance agency, License #102049, NPN #18748111. Last reviewed October 2026.