Honest Guidance, Smarter Tools, Better Coverage

Atesa Risk Advisors is an independent insurance brokerage in Jacksonville, Florida. Getting better insurance shouldn't mean paying more. We shop 40+ A-rated carriers across Florida to fit your budget, your business, and your why — commercial insurance, condo & HOA association coverage, homeowners, auto, boat, umbrella, and flood.

Founded by Ricardo Alonso — a RamseyTrusted Pro with a Harvard ALM in Finance and Florida general contractor and roofing contractor licenses — Atesa brings construction-side knowledge to a market where roof age and wind mitigation decide whether a property is even insurable.

What We Cover

  • General Liability Insurance — Coverage for third-party bodily injury, property damage, and advertising injury claims. Typical cost $400-$1,500/year for small businesses.
  • Commercial Property Insurance — Building, equipment, inventory, and business interruption coverage. Includes commercial flood insurance section with flood zone lookup tool.
  • Workers Compensation Insurance — Required for Florida businesses with 4+ employees (1+ in construction). Covers work-related injuries and occupational diseases.
  • Professional Liability Insurance (E&O) — Errors and omissions coverage for consultants, accountants, IT professionals, medical professionals, and other service providers.
  • Commercial Auto Insurance — Coverage for business vehicles including trucks, vans, fleets, and rideshare. Includes trucking and owner-operator coverage.
  • Condo & HOA Association Insurance — Master policy coverage for condo associations and homeowner associations including property, liability, D&O, and flood. Includes interactive commercial property calculator with real Florida rate data.
  • Florida Condo Association Insurance Requirements — Complete guide to FL Statute 718.111(11) insurance requirements for condo associations. Covers property, liability, fidelity bond, flood, and SB 4-D structural inspection compliance.
  • HOA Directors & Officers Insurance Florida — D&O liability coverage for condo and HOA board members. Covers breach of fiduciary duty, wrongful acts, discrimination claims, and SB 4-D compliance liability.
  • Condo Association Flood Insurance Florida — RCBAP (Residential Condominium Building Association Policy) and private flood options for Florida condo associations. NFIP vs. private market comparison.
  • Condo Master Policy vs. HO-6 Insurance — What the association master policy covers vs. what unit owners need from HO-6. Bare walls vs. all-in coverage, deductible responsibility, and coverage gap prevention.
  • Reserve Studies & SB 4-D (SIRS) Guide for Florida Condos — Florida SB 4-D requirements for Structural Integrity Reserve Studies (SIRS), milestone inspections, reserve funding mandates, and how compliance affects condo insurance coverage and premiums.
  • Condo Special Assessment Insurance Florida — Loss assessment coverage for Florida condo and HOA unit owners. What triggers special assessments, SB 4-D impact, and recommended coverage limits by building type.
  • Workers Compensation for Condo HOA Associations Florida — Why Florida condo and HOA associations need workers compensation insurance even without employees. Statutory employer doctrine, if-any policies, and volunteer coverage.
  • Contractors Insurance — General liability, workers comp, tools and equipment, and builder's risk for Florida contractors.
  • Construction Insurance — Builder's risk, wrap-up programs, contractor default insurance, and project-specific coverage for Florida construction projects.
  • Wrap-Up / OCIP Insurance — Owner Controlled Insurance Programs and Contractor Controlled Insurance Programs for large construction projects.
  • Restaurant Insurance — Property, liability, liquor liability, equipment breakdown, and food contamination coverage for restaurants and food service.
  • Church Insurance — Property, liability, sexual misconduct, pastoral counseling, and D&O coverage for churches and religious organizations.
  • SBA Loan Insurance Compliance — Insurance requirements for SBA 7(a) loans including property, liability, key person life, and flood insurance.
  • Property Management Insurance — Specialized coverage for property management companies serving condo and HOA associations.
  • Homeowners Insurance — HO-3 and HO-5 policies, dwelling coverage, personal property, liability, and loss of use coverage for Florida homeowners.
  • Auto Insurance — Personal auto coverage including PIP, bodily injury liability, collision, comprehensive, and uninsured motorist. Includes teen driver coverage guide.
  • Boat & Yacht Insurance — Hull coverage, liability, medical payments, towing, and personal effects for boats and yachts in Florida waters.
  • Umbrella Insurance — Additional liability coverage above home and auto policies, typically $1-5 million.
  • Flood Insurance — NFIP and private flood insurance with interactive flood zone lookup tool. Covers residential and commercial properties.

Get a free quote or call (904) 900-5063. Serving Jacksonville, Northeast Florida, Orlando, and South Florida.