Medical & Wellness Practice Insurance
Ricci Insurance Group is an independent insurance agency in Jacksonville, Florida that insures medical and dental offices, med spas, therapists, chiropractors, and fitness and wellness studios. You look after your patients and clients. We look after the practice, with a team you can reach by name.
You went into this work to take care of people. We take care of what protects the practice.
A practice carries risks most businesses do not: the care you provide, the records you keep and the equipment you depend on. They are usually covered by different policies, often bought at different times.
We get to know the services you offer and who performs them. Then we coordinate your professional liability, general liability, cyber and property coverage so the pieces work together, even when they sit with different programs, and we update them when you add a provider, a service or a location.
- Who we insure
- Medical and dental offices, med spas, therapists, chiropractors, and fitness and wellness studios
- Coverage
- Professional liability, general liability, property, cyber liability, workers' compensation, employment practices liability, and more
- Agency type
- Independent, locally owned and operated
- Service area
- Based in Florida, with access to help clients in all 50 states
- How to start
- Connect with an agent or call 904-710-2310
Coverage
What insurance does a medical or wellness practice need?
Every practice is different. These are the coverages we talk about most with practice owners. Your agent will recommend what fits yours.
Professional Liability
Also called malpractice insurance. For claims that the care or service you provided caused harm.
General Liability
For injuries that are not about the care itself, such as a patient who slips in the waiting room.
Cyber Liability
For the costs of a data breach or ransomware attack involving patient or client records.
Property
If you rent your space, this covers your build-out, furniture, supplies and equipment. If you own your building, it covers the building itself as well.
Equipment Breakdown
Repair or replacement when specialized equipment fails mechanically or electrically.
Business Income
Helps replace lost income and pay ongoing expenses while you are closed for repairs after a covered loss.
Workers' Compensation
Medical care and lost wages for employees hurt on the job.
Employment Practices Liability
For claims from employees alleging wrongful termination, discrimination or harassment.
Why Us
Why work with Ricci Insurance Group?
We ask what you actually do
Injectables, lasers, adjustments, telehealth, group classes. Coverage depends on the services you offer and who performs them, so we start 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.
Questions we hear most
What is the difference between general liability and professional liability?
General liability covers injuries and property damage that are not related to the care you provide, such as a visitor who slips and falls. Professional liability, also called malpractice insurance, covers claims that your professional services caused harm. Most practices need both.
What is the difference between claims-made and occurrence malpractice coverage?
An occurrence policy covers incidents that happen while the policy is in force, no matter when the claim is made. A claims-made policy covers claims that are made while the policy is in force, for incidents after its retroactive date. If you cancel or change a claims-made policy, you may need tail coverage to stay protected for past work.
Does a med spa need different insurance than a medical office?
Often, yes. Med spa services such as injectables and laser treatments are not automatically covered by every professional liability policy. Each service you offer, and who performs it, should be reviewed and listed where the policy requires it. Consult with your agent before adding a new treatment to ensure there are no gaps in coverage.
Does cyber insurance cover a patient data breach?
Cyber liability insurance is designed for this. Depending on the policy, it can pay for investigating the breach, notifying patients, restoring data, and legal and regulatory defense costs. Coverage and limits vary by policy, so it is worth reviewing what yours includes.
Requirements vary by state and by policy. See all business insurance, or other industries we work with: Restaurants & Hospitality, Contractors, Real Estate Investors.
Let's talk about your practice
Tell us about the services you offer and what you have in place today. 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.