Independent insurance & risk management · Valrico, Florida
Insurance doesn’t have to be complicated.
Florida Risk Partners helps Florida families and business owners make smarter insurance decisions — with more choices, straightforward advice, and a local team that actually knows your name.
- Independent
- Local
- Family-run
- Trusted Choice®
Insurance shouldn’t require a translator.
Policies are written by carriers’ lawyers, for carriers’ lawyers. We read them for a living, so you don’t have to — and we’ll tell you in plain English what you’re paying for, what’s excluded, and what actually matters for how you live or run your business.
See how we work →The number that decides what you pay for workers’ comp — and the one most agents never show you how to lower.
Which disasters your home policy will actually pay for — and which ones it quietly won’t.
Money still coming in while your doors are closed after a storm.
What your general contractor’s contract is really asking for before you can start the job.
Two kinds of clients. One proven protection blueprint.
True risk management, not just 15% off in 15 minutes.
Middle-market companies, contractors, professional firms, property owners. We look at your total cost of risk — premiums, claims history, your experience mod, the contracts you sign — and build a program around it, then negotiate it across dozens of carriers.
- Workers’ compensation
- General liability
- Commercial package & BOP
- Commercial auto
- Cyber liability
- Professional liability & E&O
- EPLI & D&O
- Bonding & certificates
Home, auto, flood — and the Florida-specific stuff.
Roof-age rules, wind-mitigation credits, flood zones, boats, umbrella limits. We shop the carriers, then explain the trade-offs before you choose anything.
- Homeowners & condo
- Auto
- Flood
- Boat & motorcycle
- Umbrella
- Life & pet
Real feedback from some raving fans.
Florida Risk Partners insures thousands of homeowners, and business owners across Florida.
Read all our reviews on Google →Our previous carrier dropped us when the roof hit fifteen years. FRP found a new policy in two days and actually explained why the roof age mattered. First time I’ve understood my own homeowners policy.
Needed a certificate of insurance for a GC by 4 p.m. and had it by noon. They also caught that the contract called for an additional insured endorsement we didn’t have. That’s the kind of thing that saves a job.
They walked me through our workers’ comp experience mod and found two closed claims that were still being counted against us. Getting that corrected made a real difference at renewal.
After the storm we had a flood claim and a wind claim at the same time. Having one person who knew both policies and made the calls for us turned a terrible week into a manageable one.
We didn’t think a dental office needed cyber coverage. They showed us exactly what a ransomware incident would cost under HIPAA and priced a policy that made sense. No pressure, just facts.
Boat, truck, house and an umbrella policy, all with one agency that actually returns calls. My old agent never once mentioned the umbrella. Should have had it years ago.
Our association’s renewal came in 40% higher. FRP re-marketed it to several carriers and explained the trade-offs on the wind deductible so the board could make an informed decision, not a panicked one.
New business, no idea what coverage I actually needed. They set up general liability, commercial auto and workers’ comp, and told me honestly which ones I could wait on. Saved me money and a lot of stress.
I called with a question about my auto deductible and got a real person who already knew my account. Not a call center, not a hold queue. That’s why we moved everything here.
Four rental properties, two carriers and a mess of renewal dates. They consolidated everything, found gaps in the liability limits and got it all renewing on the same day.
Every renewal they send a plain-English summary of what changed and why. I’ve never had an agent do that. It’s the reason I stopped shopping around.
Our Citizens policy was up for takeout. FRP explained what that actually meant, compared the offer against staying put, and we ended up with better coverage for about the same money.
We’ll uncover what coverage you need, and what you don’t.
No 90-days-before-renewal cold calls. No lengthy audits before you get a straight answer. You set the pace; we do the work.
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01
Listen
A conversation, not a form. Tell us what’s changed, what worries you, and what your current agent never got around to explaining.
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02
Shop
We don’t work for one insurance company. We compare options across dozens of carriers and negotiate on your side of the table.
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03
Explain
You see the trade-offs in plain English — coverage, exclusions, price — before you decide anything.
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04
Advocate
Claims, renewals, certificates, changes. You get a familiar voice who knows your account — not a call center.
Or call (888) 601-6660 — a person answers.
A family agency — in the literal sense.
Florida Risk Partners was built by David Carothers and his son Grayson. It shows in how the agency works: long relationships, direct phone numbers, and the kind of advice you’d give your own family.
David R. Carothers, CIC, CRM, CWCA
Founder & PrincipalLeads the commercial practice — workers’ comp, experience-mod analysis and total cost of risk — after two decades running P&Ls at Fortune 500 companies.
Grayson Carothers, CWCA
Co-FounderLeads the personal insurance side of the agency — home, auto, flood, boats and umbrella coverage.
Andrea Carothers
Operations Director
Kyle Houck
Commercial Advisor“True partnerships = true success.”
David Carothers, A Note From Our Founder
David’s founding note is a promise to listen first, act on what he hears, and keep executing long after the policy is bound. It still describes how the agency works.
Read the note →
We know Florida because we live here.
The things that make Florida insurance different are the things we deal with every day — from an office on Bloomingdale Avenue, not a call center three time zones away.
- Hurricane & wind
- Flood zones
- Roof-age underwriting
- Wind-mitigation credits
- Citizens eligibility
Real people. Real advice. Better decisions.
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Independent We represent dozens of carriers and work for you, not for one insurance company.
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Trusted Choice® agency Part of the national network of independent agencies held to a pledge of performance.
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CIC, CRM & CWCA designations Credentialed in insurance counseling, risk management, and workers’ compensation.
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Based in Valrico, licensed across Florida 1434 E. Bloomingdale Ave. Stop by, or we’ll come to you.
Let’s talk insurance.
Tell us what you need. No call centers, no sales scripts — a conversation with someone who’ll still know your name at renewal.
1434 E. Bloomingdale Ave, Valrico, FL 33596
info@floridariskpartners.com
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