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Hillsborough: 813-864-3434
Pinellas: 727-785-2211 & 813-864-3434
Fax: 813-864-3355

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Personal Insurance

At The Nicholas Group, we work hard to fulfill our commitments to our policy holders. Put our experience to work for you or your business. Let us maximize your insurance coverage at the best rate(s) possible to give you the peace of mind you deserve at a price you can afford. From the initial presentation, to assisting you with claims and administrative issues our staff will be there for you every step of the way.

Individual Health and Medicare

The cost of health care in Florida continues to soar. Now, more than ever you need a health insurance plan to protect you and your family. Unfortunately some employers, in an effort to save expenses, have stopped providing health insurance. Or perhaps you work for a small company that never did. In either case, you need to arrange for your own health insurance coverage. Put our experience to work for you. Whatever your individual health needs may be, rely on The Nicholas Group to present the most affordable plan to suit your individual needs.

Becoming eligible for Medicare can create a wave of new information to explore, call us today to help you navigate the waters. Our expert agents never assume a "one-size-fits all" approach, we find the right plan for your specific needs.

We offer Short Term Medical and ACA exempt health sharing, individual plans.


Have you considered what would happen to your family if you or your spouse were to die unexpectedly? How would you pay all your bills? Could you keep your house? Who will help care for the children? It's enough to keep you awake at night, but it doesn't have to. Here at The Nicholas Group, we understand circumstances in life are never certain and preparation is important. Let us help you decide what FL life insurance plan is best suited for you and your family's needs, so that in the event of the unexpected your family and loved ones are protected. Please contact us for more information.


If there's one thing that's certain in life, it's that accidents happen. Being involved in an accident costs you time and hassle, but more, it can cost you quite a bit financially. There's the cost to repair or replace your vehicle, possibly a rental car, and the cost to repair anything other property you damage. There could be medical costs to injured parties, or worse still, compensation for the loss of a life. Do you have the coverage you need to be protected in such a potentially tragic event? At The Nicholas Group, we know how important it is to have the right coverage at an affordable rate for all of your vehicles. We have the ability to write policies for any sized watercraft as well as for motorcycles. We're here to help you cut through all the confusion and get you want you need. Please contact us for more information.

Home/Condo/Renters/Flood/Personal Liability

One of the biggest investments you'll make in your lifetime is your home. We write Florida homeowner's insurance with multiple carriers! Do you have sufficient coverage? If you're a renter, do you understand the importance of securing the financial loss of your valuables? Natural disasters can happen unexpectedly. Even if you have warning, you may not be able to protect your home. Does your insurance cover the actual replacement cost of your home and belongings? We have the ability to obtain coverage for any type of residential property, including high-value homes and vacant property.

Long Term Care

Thanks to advancements in modern medicine, we're living much longer lives. We're also leading much busier lives. In generations past, elder members of the family were cared for by the younger generation. Today that's not always possible. Quality nursing homes and assisted living facilities are very expensive. Will your savings cover that cost? The Nicholas Group can provide peace of mind by helping you to plan for elderly care services. Coordinating medical care and day-to-day living for senior clients is just one way we can help you plan for as you or your loved one approaches this challenging time.


Seeing the dentist regularly could save your life. More than 75% of Americans over 35 have some form of periodontal disease, and researchers have found people with periodontal disease may be at a greater risk for coronary heart disease, stroke, and bacterial pneumonia. Unfortunately, those dental visits cost money and probably aren't covered by your medical insurance. That's why you should have a Florida dental policy as well. The Nicholas Group provides an array of dental plans and programs to best suit your needs. Please contact us for more information.

The Nicholas Group can help you choose the most appropriate coverage for yourself and your home or rental properties.