RRJ Insurance Services
RRJ Insurance Services
Home2025-10-15T17:59:44-04:00

We work with the most reputable insurance companies to find the best match for you!

Get personalized Florida insurance in 3 simple steps

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Provide basic information. We manage the complicated behind the scenes by putting in the work with the insurance companies to make your life easier.

2. Compare

Talk to an agent to find the best coverage. Receive a side-by-side comparison and a complete explanation of your coverages so you understand all your policies.

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Get quoted & covered with great rates. Use online e-signatures and payments when purchasing insurance, getting the best coverage and best rates for your situation.

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Our state-of-the-art portal allows businesses to locate, purchase, and manage specialized insurance policies quickly. Weeks-long waiting periods and stacks of paperwork are officially obsolete.

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Policy Service from RRJ Insurance Services

Our Clients Love Us

Every customer has a different story to tell based on their individual experience with RRJ Insurance Services. We take pride in our customer service and we believe in offering only the best services to our customers.

RRJ Insurance Services

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Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy. Submit your information below and one of our insurance advisors will reach out to discuss your insurance options.

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If you would rather call us to discuss your insurance needs or schedule a time in person, please call us today!

Personal insurance coverage options

Personal Insurance Coverage Options

Whatever life throws at you, we want you to be ready. RRJ Insurance Services has the coverage you need for your family when you need it.

And more! Contact us if you don’t see exactly what you’re looking for.

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Insurance coverage for your business

No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages. We offer tailored policies to help protect your business from fast-moving risks.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability for accidents and physical damage coverage for the vehicles.

Workers Compensation

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Commercial Property

Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Cyber Liability

Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.

Professional Liability

Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.

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RRJ Insurance Services

About RRJ Insurance Services

Focusing on efficiency & performance in Florida

RRJ Insurance Services of Florida Corp is a boutique independent insurance agency built on more than 30+ years of experience in risk management and insurance solutions.

Founded by Rolando Rouco Jr., AAI, CRIS, RRJ was established with one clear mission: to provide protection you can trust through personalized service and innovative insurance strategies.

We specialize in three key areas: Commercial Insurance, Employee Benefits, & Personal Insurance.

With our in-depth experience and local, relationship-building focus, we can guide you through every step of the insurance process.

RRJ Insurance ServicesOwner of

Providing insurance for

30+ years
RRJ Insurance Services in Florida
RRJ Insurance Services in Florida

Questions About Insurance? We’ve Got Answers.

How can I ensure that my Equipment Breakdown Insurance policy provides adequate coverage?2024-08-17T17:13:46-04:00

To ensure adequate coverage, regularly review your policy with your insurance provider, especially when you acquire new equipment or expand your operations. This helps keep your coverage up-to-date and aligned with your business’s evolving needs.

Do I need Equipment Breakdown Insurance if I have a maintenance plan?2024-08-17T17:13:46-04:00

While a maintenance plan is beneficial for preventing equipment issues, it does not provide financial protection for unexpected breakdowns. Equipment Breakdown Insurance complements maintenance plans by covering the costs associated with sudden and accidental failures, ensuring comprehensive protection.

Can Equipment Breakdown Insurance cover business interruption losses?2024-08-17T17:13:46-04:00

Yes, Equipment Breakdown Insurance often includes coverage for business interruption losses. This means that if your equipment fails and causes a halt in your operations, the policy can help cover lost income during the repair or replacement period.

How is Equipment Breakdown Insurance different from a warranty?2024-08-17T17:13:46-04:00

A warranty typically covers specific parts of equipment for a limited time, focusing on defects or issues arising from manufacturing. In contrast, Equipment Breakdown Insurance provides broader coverage for sudden and accidental failures, including mechanical and electrical breakdowns, regardless of the equipment’s age.

What does Equipment Breakdown Insurance not cover?2024-08-17T17:13:46-04:00

Equipment Breakdown Insurance does not cover general wear and tear, maintenance issues, or pre-existing conditions. For example, damage caused by natural disasters, such as floods or earthquakes, is not covered by this policy. For such incidents, you would need to consider other types of insurance, such as flood insurance or property insurance.

Is Garage Keepers Insurance mandatory?2024-08-17T17:13:46-04:00

While not legally required in all states, having Garage Keepers Insurance is highly recommended for any business that handles customer vehicles. It provides essential protection against financial losses and enhances your credibility with customers.

How can I reduce the cost of Warehouse Liability Insurance?2024-08-17T17:13:46-04:00

Implementing safety measures, such as installing security systems, conducting regular maintenance, and training employees on safety protocols, can help reduce insurance premiums. Additionally, bundling policies and increasing deductibles might lower costs

Does Warehouse Liability Insurance cover goods in transit?2024-08-17T17:13:46-04:00

Typically, standard Warehouse Liability Insurance does not cover goods in transit. For this, Inland Marine Insurance is necessary, which covers items transported over land.

What are the benefits of a Business Owner’s Policy (BOP) for warehouse businesses?2024-08-17T17:13:46-04:00

A BOP combines general liability, commercial property, and business interruption insurance, providing comprehensive coverage for small to medium-sized warehouse businesses at a lower cost than purchasing these coverages separately.

How much Warehouse Liability Insurance do I need?2024-08-17T17:13:46-04:00

The amount of insurance needed depends on the size of your warehouse, the type of goods stored, and the associated risks. Consulting with an insurance professional can help determine the appropriate coverage limits.

Don’t see your question? Contact us.

RRJ Insurance Services

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305-614-0055
Get your insurance quote today from RRJ Insurance Services

Get your insurance quote today.

RRJ Insurance Services

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Coral Gables, Florida Office

250 Catalonia Ave Suite 505
Coral Gables, Florida 33134
Phone: 305-614-0055
Email: rolando@rrj-insurance.com

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Proudly providing insurance services: home insurance, auto insurance, life insurance, and commercial insurance for businesses in all of Florida including Boca Raton, Cape Coral, Coral Gables, Fort Lauderdale, Hialeah, Jacksonville, Miami, Miramar, Orlando, Palm Bay, Pembroke Pines, Port St. Lucie, St. Petersburg, Tallahassee, Tampa and the surrounding areas. View all service areas.

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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

Floridian Property Consultants is an independent, third-party inspection company. RRJ Insurance does not own, operate, or control Floridian Property Consultants and is not responsible for the quality, accuracy, or outcome of their inspections. We share their preferred rates here as a convenience to our clients. You are under no obligation to use Floridian Property Consultants and may choose any licensed inspection provider. Rates are set by Floridian Property Consultants and may change without notice. Eligibility for insurance discounts or credits based on inspection results is determined solely by your insurance carrier’s underwriting guidelines.

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Insurance Fraud Statement

Fraud is a crime

If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.

Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.

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