Customized Insurance Solutions


Insurance policies serve as your individual protection. Some policies are indispensable, but others can turn into money pits.

We carefully consider which insurance benefits suit your individual needs and which benefits are likely to be superfluous. With the right policy and a secure future on the horizon, you can get back to living for the moment!

Florida Coastal Insurance Agency

Is an insurance intermediary, providing standard and excess and surplus lines products with unique solutions to the independent agency system. We have over 75 years of staff experience as a major insurance carrier. We have been able to attract and retain top markets and provide a team for support through experienced staff.

We offer a turnkey solution to begin an independent agency. Our success is based on teamwork while still maintaining our individual identities. Our proven procedures, systems, and workflows allow for success without the typical growing pains.

Florida Coastal Insurance Agency is known for professionalism and strength in relationships. Our goal is to deliver insurance products at competitive terms, within financially sound markets, on a timely basis. We understand that responsiveness is important. We are guided by strong ethics, honesty, and professionalism. We strive to consistently exceed the expectations of our customers, employees, insurance markets, and shareholders. The result of our efforts is to make a profit for all concerned."

Richard Ficca, Independent Agent

(727) 569-6000

  • Insurance Agent, Educator, and Consultant for 20 years in Tampa Bay
  • Born in Tampa, Florida and resides in Palm Harbor with his wife & son
  • Graduate of University of South Florida; Bachelors in both Finance & Marketing
  • Part of the Leadership Team for Referral Masters Chapter of BNI, Clearwater
  • Season ticket holder of the Tampa Bay Buccaneers since 1997
  • Master’s 140 kilo powerlifter; currently holds state & national records
  • Proud US Army Airborne Veteran

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