We Know You and Insurance

Gulf Breeze Insurance, Inc. is an independent full-service employee benefit firm specializing in individual health and dental insurance to group insurance for small to mid-size businesses, sole proprietors and the independent contractor in Florida and Alabama. We also assist with facilitating coverage for trade associations and membership groups.

Gulf Breeze Insurance, Inc. was established in August 2005 by Raul Ramirez, President and founder.  With over 10 years experience as a insurance agent and insurance broker, Mr. Ramirez's background is multifaceted.  His knowledge of the market and unique approach to your needs distinguishes him from his contemporaries.

Our primary objective is to establish a partnership between you, the insurance company and our staff which assures you Quality Protection, Valued Customer Service, and above all, excellent claims support to the Florida and Alabama areas!  Contact us today and learn about how we can help you handle your insurance.

We use a simple approach of getting to know our customer and their needs and believing that we can meet those needs. 

We hope that our website will be a valuable resource of information for your business and or personal insurance needs.  Our office is fully automated allowing you to communicate with us by phone, email, website and fax.

Why work with our independent brokerage firm ?

Independent Brokers work on behalf of you the client when researching and shopping the marketplace locating the product best suited to your needs. We are not employed as sales representative for a particular carrier. We are contracted and licensed by several carriers in the marketplace for various types of coverage you may need. We provide you with cost comparisons.

Our commitment is to you the client and that’s were our loyalty remains. We negotiate coverage terms, request rate discounts and make the carriers fight for your business! That’s the true nature of a good independent agency and a broker with the clients best interest in mind.

What We Do We develop individualized insurance programs that feature expert advice, outstanding service, and quality products while taking into account your needs and budget.  Our basic products and services provide a total package of protection from major medical insurance, high deductible health plans and temporary health insurance.

We Serve:

Insurance Carriers

As independent brokers, we have established long-term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

• United Healthcare
• Blue Cross Blue Shield of Florida
• Humana
• United HealthOne (Golden Rule)
• Humana One
• Aetna
• Cigna
• Health Plan Administrators
• Aflac
• Avalon

Dental Insurance Carriers

• Comp Benefits
• Health Plan Administrators (Secure Dental One)
• United HealthOne
• Ameritas
• Dental Plans.com (Discount Dental Plans)

Life Insurance Carriers

• Midland National Life
• AllState American Heritage
• Allianz