Protect the Restaurant You've Poured Everything Into
Ricci Insurance Group builds tailored coverage for restaurants, bars, caterers, hotels and hospitality businesses across Northeast Florida — backed by A-rated carriers and a local team that actually picks up the phone.
No pressure, no obligation — just a straight answer from a licensed Florida agent.
A Trusted Partner, Not Just a Policy
Everything we do is built around one idea: you should never have to guess where your coverage stands.
Personalized Service
From a local, experienced team that learns your business, not just your policy number.
A-Rated Carrier Partners
Appointments with a variety of financially stable, top-rated carriers built for hospitality risk.
Award-Winning Agency
Recognized for comprehensive coverage solutions built specifically for restaurants and hospitality.
Client Advocacy
Nationally recognized for putting clients first — before, during, and long after a claim.
Built for the Risks Restaurants Actually Face
From a single food truck to a multi-location hospitality group, we structure coverage around how your business really operates.
General Liability
Protection against customer injury, property damage, and third-party claims on and off premises.
Workers' Compensation
Required coverage that protects your kitchen and front-of-house staff — and protects you.
Commercial Property
Coverage for your building, kitchen equipment, furniture, and inventory against fire, storm, and more.
Business Auto
Delivery vehicles, catering trucks, and company cars covered for the road time your business needs.
Liquor Liability
Essential protection for any business that serves alcohol — bars, restaurants, and event venues.
Equipment Breakdown
Walk-in coolers, ovens, and POS systems repaired or replaced fast when they fail unexpectedly.
Cyber Liability
Coverage for payment system breaches, POS data theft, and guest information exposure.
Umbrella Coverage
Extra limits layered on top of your existing policies for the claims that exceed standard coverage.
Three Conversations to Better Coverage
Tell Us About Your Business
A short conversation about your operations, locations, staff, and the risks that keep you up at night.
We Shop the Market for You
We compare options across our preferred, A-rated carrier partners to find the strongest fit — not just the cheapest quote.
You Get an Ongoing Partner
One dedicated contact for renewals, claims, and coverage changes as your restaurant grows and evolves.
Comprehensive Coverage, Without the Guesswork
Local Enough to Know Your Name
Founded in 2014, Ricci Insurance Group has grown into one of Northeast Florida's fastest-growing independent agencies — built one relationship at a time. We're independently owned, which means our loyalty is to you, not to a single insurance carrier.
"Large enough to bring you national carrier access — small enough that you're a name, not an account number."
2014
Founded in Jacksonville, FL480+
5-star Google reviews100%
Independently owned & localWhitney traded outside sales for insurance to put down roots in a community and genuinely help people protect what they've built. Clients have nicknamed her "The Insurance Ninja" for how quickly she gets things sorted.
Before You Reach Out
Will switching agencies cost me more?
Not necessarily. Because we shop your risk across multiple A-rated carriers, switching often uncovers better pricing or broader coverage than a single-carrier policy — with no cost to get a quote.
How fast can I get coverage in place?
Timelines depend on your operation and the carrier, but most restaurant and hospitality quotes move quickly once we understand your business. A licensed agent will give you a realistic timeline after your first conversation.
Do you only work with restaurants?
Restaurants and hospitality are a specialty of ours, but we also insure a wide range of businesses, homes, autos, and personal lines across Northeast Florida.
What if I already have a broker or agent?
That's fine — a second opinion costs nothing. We'll review your current coverage and let you know honestly if we can improve it. If we can't, we'll tell you that too.
Is my information kept confidential?
Yes. Information you share is used only to prepare your quote and is handled by a licensed member of our team — never sold or shared with outside marketers.
Request Your Free, No-Obligation Quote
Tell us a bit about your business below, or reach out directly — either way, you'll hear back from a real, licensed agent.
Talk to a Licensed Agent
Visit Our Full Quote Page →
Coverage cannot be bound, changed, or cancelled based on information submitted through this page. All quotes and policy changes must be confirmed directly with a licensed agent. FL Agency License #102049 · NPN #18748111.