Contractor Insurance Jacksonville FL | Commercial Auto, Workers Comp & General Liability | Ricci Insurance Group
904-710-2310
โšก Florida Contractor Insurance Specialists

Commercial Auto, General Liability
& Workers Comp
Built for Contractors

Your crew is on the road and on the job every day. One gap in coverage can cost you everything. Get a fast quote from an agency that knows the contractor business.

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Independent agency โ€” multiple carriers
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Same-day response on most requests
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We understand how contractors operate
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Serving Florida businesses since 2014
Why Contractors Choose Us
We Know What Your Business Needs to Stay Protected
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Independent Agency

We are not locked into one carrier. We shop your coverage across multiple top-rated insurance companies โ€” including Auto-Owners โ€” to find the best fit for your specific operation, fleet size, and payroll.

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Fast Turnaround

We know contractors move fast and cannot wait weeks for a quote. Our team responds the same day on most requests, and we make the process straightforward so you can get back to running your business.

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We Get the Contractor Business

Subcontractors, owner-operators, mixed fleets, seasonal payroll changes โ€” we understand how contractor businesses actually work, and we build coverage that fits your reality, not a generic policy template.

What We Cover
Three Lines Every Florida Contractor Needs to Get Right
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Commercial Auto

For trucks, vans, and work vehicles

  • Coverage for owned, leased, and hired vehicles
  • Liability protection if your driver causes an accident
  • Physical damage coverage for your work vehicles
  • Coverage for tools and equipment in transit
  • Options for single vehicles or full fleets
  • Owner-operator and subcontractor scenarios
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Workers Compensation

Required in Florida for most contractors

  • Covers medical expenses if an employee is injured on the job
  • Provides lost wage replacement for injured workers
  • Protects your business from lawsuits related to workplace injuries
  • Proper classification of employees and subcontractors
  • Audit-ready from day one โ€” no surprises at renewal
  • Florida construction industry compliance guidance
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General Liability

Required by most GCs and job sites

  • Covers third-party bodily injury and property damage claims
  • Protects you if a client or bystander is injured on your job site
  • Required by most general contractors and commercial clients
  • Covers damage caused to a client's property while working
  • Products and completed operations coverage included
  • Certificate of insurance issued quickly for job requirements
Real Client Reviews
What Business Owners Say About Working With Us

Over a decade of five-star service to Florida businesses and families.

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"Noelle worked quickly and efficiently and saved us tens of thousands of dollars on our renewal. We highly recommend โ€” 10/10 service and rapid communication is a major plus."

@ Nikki B. โ€” Commercial Client
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"Whitney has saved my company, and myself personally, thousands of dollars in insurance over the past year. She is a true consultant, explaining insurance in a way that you can understand."

@ Alex S. โ€” Business Owner
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"I needed business insurance to close on a loan and was told by another agent it would take 4 weeks. Ricci provided quotes from several providers who could activate the policy within a week."

@ Michael O. โ€” Business Client

Ready to Protect Your Business the Right Way?

Fill out the form above or call us directly. A contractor insurance specialist is standing by.

Get My Free Quote โ†’

Ricci Insurance Group LLC  ยท  3721 Dupont Station Ct S, Jacksonville, FL 32217
904-710-2310  ยท  [email protected]

Insurance coverage cannot be bound or changed via submission of this online form. No binder, insurance policy, change, addition, or deletion to insurance coverage goes into effect unless confirmed directly by a licensed agent.

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