Ricardo Alonso

Ricardo Alonso is the founder of Atesa Risk Advisors, an independent insurance agency in Jacksonville, Florida. He holds the Florida 2-20 General Lines and 2-15 Health & Life licenses, a Master of Liberal Arts in Finance from Harvard University, and RamseyTrusted vetting, and he writes every guide on this site.

Florida 2-20 and 2-15 licensed agent, Harvard ALM in Finance, RamseyTrusted. The founder and author behind every guide on this site — find his credentials at FL DFS.

Figures reviewed against Florida Statutes and carrier bulletins on September 27, 2026.

Credentials, verifiable

• Florida 2-20 General Lines Agent. The full property & casualty license — commercial and personal lines, every coverage this site writes about.
• Florida 2-15 Health & Life Agent. Licensed for life and health placements, including the lender-required life insurance on SBA loan files.
• Master of Liberal Arts in Finance, Harvard University. The analytical foundation behind how coverage, deductible math, and market cycles get explained here.
• Construction-industry background. Years inside the building trades before insurance — the reason contractor, condo, and habitational placements are this agency's home turf.

Agency license L107694 · NPN 19400647. Verify with the Florida Department of Financial Services.

How the agency works

Atesa Risk Advisors is independent — it represents the client, not a carrier. Every placement is shopped across 40+ A-rated markets from one application, and the recommendation is the policy language, not the logo on the letterhead.

The same standard applies to what gets published here: every statute is cited to the primary source, every rate claim is traced to a regulator filing or a named industry report, and guides are corrected when the facts change.

I came to insurance from construction, where you learn that the paperwork is the building. A policy is the same thing — the coverage is whatever the paragraphs say it is. My job is reading the paragraphs before you need them.

Related Guides

• SBA Loan Insurance Requirements: Every coverage an SBA lender requires, traced to SOP 50 10 8 — hazard, flood, wind, and life.
• Condo & HOA Board Guides: Master policies, SIRS, D&O, Citizens commercial-residential — the board treasurer's library.
• Florida Multifamily & Apartment Insurance: The habitational market, named-storm deductible math, and the FS 768.0706 security checklist.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.