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As an insurance agent who has tirelessly advocated for reforms in Florida’s property insurance market for the last several years, and a homeowner in Florida myself, I am over the moon to see tangible progress and a brighter outlook. The recent updates from the Office of Insurance Regulation (OIR) reflect the positive impacts of the […]

At our homeowners insurance agency, we’re committed to offering a variety of choices to our clients, ensuring they have access to the best possible coverage for their unique needs. It’s concerning to learn from the Insurance Information Institute (Triple-I) that 15% of homeowners in Florida lack insurance coverage for their properties. With Florida’s home insurance

At Ricci Insurance Group, our journey is a testament to the power of community and the belief that together, we can foster significant change. Our growth, driven by referrals from clients, industry partners, friends, and family, has not only been a source of pride but also a constant reminder of the trust and support we’ve

Earlier this month, I had the privilege of attending American Integrity’s Power of Partnership Summit. The 40 agency partners present represented the top 3% of agents in the entire company, and the atmosphere was buzzing with collaboration and insights centered around navigating Florida’s intricate insurance market. It was an honor to participate on the panel

What is Cyber Security Insurance? Cyber security insurance, often termed “cyber risk insurance,” or, “cyber liability insurance,” safeguards businesses from losses stemming from computer or tech-related incidents. These losses can arise from events like phishing, and ransomware attacks, or the misplacement or theft of a device containing crucial data. Who Should Consider Cyber Security Insurance?

In the world of workers’ compensation insurance, there’s a term that often gets overlooked or misunderstood by many businesses: the “Workers’ Comp Dividend.” Yet, understanding this concept can provide companies with valuable financial benefits. Let’s dive in and demystify this term for better clarity. What is a Workers’ Comp Dividend? At its core, a workers’

If you are familiar with the Florida property insurance market right now, you feel the heavy truth that underwriting exceptions are like currency.

Please note that we are not saying these are “Deal Breakers,” but rather, “Curve Balls” you want to be aware of & let your insurance agent know about up front so she can place you with an appropriate carrier.   Roof Age- Options are more limited at 15+ years Wiring- Aluminum or Clothing wiring limit