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Welcome to Insurance Concepts of Florida Inc.

Protection from the Best in the Business

Whether you need insurance for your business or personal life and assets, we have the experience to help you find the policy that’s right for you. We are committed to providing you with the highest level of protection at affordable prices. Check out our range of insurance packages, including Family Insurance Bundle, Couples Insurance Plan and Individual Insurance Package.

Buying a House

Personal Insurance Bundles

We offer different packages tailored to meet your personal, ever-changing needs. Tell us your Family Insurance Bundle requirements and our experienced agents will create or adjust a plan accordingly. Our team is happy to answer your questions and make personalised recommendations based on your input. We are here to represent you and make sure you receive the best possible insurance package suited to your needs.

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Reasons to Buy Renters Insurance

  • Renters insurance can help you repair or replace property after loss due to many types of damage or theft.

  • It can also provide coverage for an accident at your residence.

  • Policies usually have very affordable annual premiums.

  • Note that your landlord's property insurance doesn't cover your belongings.

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Business Insurance Packages

Insurance Concepts of Florida Inc. has worked with  a wide range of insurance packages over the years. We always tailor our services according to our clients’ growing needs with the help of our carriers. Contact us to schedule a meeting with our experienced agents and learn more about the carriers we do business with.

Family at a Beach

Life Insurance Plans

To avoid unnecessary worry about what the future holds, we ensure that you are covered. With established relationships with numerous carriers, let us put together a plan that offers the highest level of protection for you. Contact us to make an appointment with one of our experienced consultants and receive a free estimate. We’re here to supply you with the insurance you really need.

Insurance Providers

Click on Icon to Visit Site for Premium Remittance & Policy Management

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*Homeowners Choice, K&K, Summit & US Assure are not currently accepting online payments, contact us!

About Us

Giving You Peace of Mind

Insurance Concepts of Florida Inc. is made up of a family of well-versed insurance agents who are highly trained in providing you with exceptional coverage and services.

Lisa Oshman started in the insurance business in 1996 following the footsteps of her father selling life and health insurance.  In 1999 she founded Insurance Concepts of Florida, Inc. which specializes in all lines of insurance, both personal and business.  Lisa is from Jacksonville Beach and graduated from Fletcher High School.  She has been married for 30 years and has a daughter who is married with two children, Sophie and Barrett.  Lisa enjoys spending time with her family and friends, listening to music and playing with her grandbabies! 

Lisa strongly believes in providing the BEST CUSTOMER SERVICE!  She has survived mostly by referrals and takes great pride in this.  When it comes to insurance you will know that you are getting the best possible price, the coverage that you need and that she will be there to assist every step of the way.

​We are a full-service agency with years of experience managing a wide range of risk and exposures. We believe that every person deserves to receive exceptional protection from one of the best insurance companies in the business. Keep your loved ones safe and protect your assets. Get in touch with us today.


An Independent Agency Advantage

Protect your assets with individually tailored insurance coverage from our agency. We represent a multitude of carefully selected, financially strong & only reputable insurance carriers.

We do not work for an insurance company; we work for you.


How much life insurance do I need?

Get In Touch

Contact Insurance Concepts of Florida Inc. today! We want to take care of you and have the expertise to do so. Let us know your specific needs & we’ll compile the best insurance package suited to you.



(904) 320-0026 Text (904) 440-0467

(888) 234-8858

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Shake on It

-Flood Information & Resources
-Claim Contacts
-Home Inventory Checklist
-Early Refills by Governor's Order

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How much do you know about flood insurance? Take this brief quiz to find out:
1. True or false: You do not live in a flood zone, so you do not need insurance.
2. True or false: Your homeowners or business insurance covers you for flood.
3. True or false: Flood insurance is affordable.
The answers to the statements above may surprise you:
1. False. Consider this: between 25 and 30 percent of all flood insurance claims come from low to
moderate risk areas. You do not need to live near the seashore, lakes or rivers to be flooded. Floods
can be caused by storms, hurricanes, melting snow, poor drainage systems or dams. Floods can
occur any place, any time, in any state.
2. False. This is a common misconception. Your homeowners or business insurance policy does not
cover flood damage. This means if your home or business is flooded, you must cover the cost of
damage yourself.
Moreover, federal disaster assistance is only available if the President of the United States declares
a major disaster, which occurs in only 10 percent of natural disasters that involve flooding. The most
common form of disaster assistance is a loan that must be repaid with interest.
The only insurance available for flood is a policy through the National Flood Insurance Program (NFIP),
which is administered by the Federal Emergency Management Agency (FEMA).
3. True. NFIP offers a variety of coverage amounts and you can get a lot of coverage for minimal
cost. For example, homeowners can insure their residence and belongings for as little as $119 per
year and residential renters can insure their belongings for $39 a year. Business owners can purchase
flood coverage for buildings and contents for as little as $550 annually.
Please note that while flood insurance is written through the federal government, we can help you service a flood claim.
You should be aware that there is usually a 30-day waiting period before flood insurance goes into
effect. Also, flood insurance cannot be written when your region is under a tropical/hurricane storm
watch or warning. Consult your independent insurance agent today about whether you should add
this important coverage to your home or business policy.

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Lisa Oshman



Emily Elrod

Vice President

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Jessica Hinshaw Soulsby

Commercial Lines Manager

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Shelby Neumann

Personal Lines Manager

Privacy Statement

What Information Does Insurance Concepts of Florida, Inc. Collect?

Most of the data Insurance Concepts of Florida Inc. collects is used only to help Insurance Concepts of Florida, Inc. better serve its clients. It is our general policy to only collect and store personal information that our clients and visitors knowingly and voluntarily provide. If our privacy policies change, we will notify all users by e-mail or a special announcement placed on the Web site.

Data collected in general.

Insurance Concepts of Florida Inc. does not collect any personal information from users browsing our Web site. Users to the public areas of the Insurance Concepts of Florida Inc. Web site browse anonymously. Only aggregate data -- such as the number of hits per page or what domain the user came from--are collected. Aggregate data are only used for internal and marketing purposes and do not provide any personally identifying information.

How Does Insurance Concepts of Florida Inc. Use Data Collected?

Insurance Concepts of Florida Inc. uses information voluntarily submitted by clients and other customers in the following ways:

Insurance Concepts of Florida Inc. and Products.

Generally, Insurance Concepts of Florida Inc. will use data collected to improve our own Web content; to respond to clients’ and visitors’ interests, needs and preferences; and to develop new products and services. 

Disclosures to Third Parties.

Insurance Concepts of Florida Inc. does not disclose member contact or demographic information to third parties, and all information collected is for client use only, except as otherwise required by law.

Credit Card Account Information.

Insurance Concepts of Florida Inc.  does not disclose credit card account information provided by its clients. When clients choose to pay using their credit cards, Insurance Concepts of Florida Inc. submits the information needed to obtain payment to the appropriate clearinghouse.

How Does Insurance Concepts of Florida Inc. Use Cookies?

Cookies are files that contain information created by a web server that can be stored on a User's hard disk for use either during a particular session ("per-session" cookie) or for future use ("persistent" cookie). Insurance Concepts of Florida Inc. from time to time might use cookies only to facilitate automated activity, store and track passwords, determine appropriate solicitations, and review navigation patterns. Cookies are not used to disseminate significant information about Users over the Internet or to analyze any information that Users have knowingly or unknowingly provided. Users may instruct their Internet browsers to opt out of accepting a "persistent" cookie and rather accept only a "per-session" cookie, but will need to login each time they visit the site to enjoy the full benefits. If the user declines the attachment of any cookie, the user may not have access to the full benefits of the website. Registration enables the site to better determine members' interest areas and provide the most relevant information.

What Privacy Issues Arise With Links To Other Sites?

This Web site contains links to other web sites. Insurance Concepts of Florida Inc. has no control over and is not responsible for the privacy policies or content of such sites, and the users of the Insurance Concepts of Florida Inc. Web Site “click through” at their own risk.

What Means Of Redress Are Available?

If any User suspects Insurance Concepts of Florida Inc. has handled its personal information in a manner that does not comply with this privacy statement, please contact us by e-mailing or by calling (904) 320-0026.

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