Insurance for the people and businesses that keep Florida running.
Commercial auto, contractors, boats, small business, personal auto and life. One licensed Florida agent who speaks English and Spanish, worked in the trades, and gives you direct access — backed by 24/7 bilingual assistance.
Built for contractors, drivers and small business owners
This is the core of what Ricardo does. If a truck, a crew or a vessel is how you make money, start here.
Commercial Auto
Trucks, vans, pickups and work vehicles. Liability, physical damage, cargo and the filings your operation may need.
Learn more →Small Fleet
Two to twenty-plus vehicles on one policy. Simpler renewals, consistent limits and one person who knows your operation.
Learn more →Contractors / General Liability
General liability for GCs, subs and trades. Certificates handled by someone who's been on the job site.
Learn more →Small Business / Commercial
Shops, restaurants, offices and service companies. Property, liability and the coverages your lease and customers require.
Learn more →Boat & Yacht
Center consoles, cruisers, sailboats and yachts on Florida's Gulf Coast. Hull, liability, hurricane and towing options.
Learn more →Commercial Marine
Charter, guide, dive, towing and workboat operations. Hull, P&I and the certificates your dock or port requires.
Learn more →For your family, your car and the long term
Personal auto explained properly, and life, IUL and annuity options with the costs and risks spelled out before the upside.
Personal Auto
Florida car insurance explained by a human. PIP, liability, full coverage and what each actually does.
Learn more →Life Insurance
Term and permanent life insurance for families and business owners. Honest conversations about what you need and what it costs.
Learn more →Indexed Universal Life (IUL)
Permanent life insurance with indexed cash value. Explained accurately — including the costs, caps and risks.
Learn more →Annuities
Fixed and indexed annuities for retirement income. The guarantees, the surrender periods and the fine print — explained.
Learn more →The name is playful. The work isn't.
Ricardo spent years in roofing, restoration, solar and sales before he was licensed. He's been the contractor chasing a certificate at 6:45am, the guy with a truck full of material and a GC asking for an updated COI. That experience shapes how he quotes: around what you actually have to deliver to the people you work for.
Born in Peru and raised in Sarasota since age 12, he's a native Spanish speaker licensed in Property & Casualty and Life & Health. The whole process — questions, applications, certificates, claims guidance — happens in whichever language you prefer.
Getting a quote takes one call
Call or email
Tell Ricardo what you need covered. A truck, a crew, a boat, a family. English or Spanish.
Answer a few real questions
Each line has a short checklist of what underwriters actually need. Ricardo asks, you answer, no 40-page form.
Get options, not a pitch
We'll compare the available options and explain the coverage and trade-offs in plain English. You decide. Ricardo handles the rest, including certificates.
Sarasota-based. Working across the Gulf Coast.
Ricardo is licensed statewide and works by phone and video with clients across Florida, with deep roots in Sarasota, Bradenton, Lakewood Ranch and the Tampa Bay–Fort Myers corridor.
New brand. Real track record.
Risky Ricky launched in 2026 as Ricardo's independent brand after years in the industry. Reviews from clients are published as they come in — and you're welcome to be one of the first.
See reviewsStart your quote
Answer a few questions and Ricardo gets your details instantly. Takes about two minutes. Prefer to talk? Call 727-748-1701 (Ricky direct · business hours).
What are we quoting?
Call Ricardo. Get options, not a runaround.
Personal service from Ricardo, backed by 24/7 bilingual assistance. Call for a quote or send the basics by email and Ricardo will take it from there.