Commercial insurance is where an agent's background matters. Underwriters ask questions about radius, classification, payroll, subcontractors and vessel use that a call center can't answer for you — and getting them wrong either costs you money or costs you a claim. Ricardo answers them with you, correctly, in English or Spanish.
Risky Ricky Insurance
Commercial insurance for Florida businesses
This is the core of what Ricardo does. Commercial auto, small fleets, contractors general liability, small business packages and marine — quoted by someone who ran crews and trucks before he sold insurance.
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 →Certificate of Insurance
If you're a current client and a GC, property manager, landlord or dock needs a certificate, send Ricardo the details below. Ricardo handles every certificate request directly.
Not sure which line you need?
Call and describe your business. Ricardo will tell you what you actually need, what your contracts require, and what you can skip.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.
Get a quote
Start 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?
Life's risky. Coverage shouldn't be.
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.