★★★★★
All the people I personally know here are all amazing people! They are knowledgeable and helpful for your insurance needs. Amazing people = amazing service!
Paula Sena
Google Reviews
Why Us
Access to multiple companies, easy switching, and unbiased advice — Choice, Trust, and Transparency.
Our approach
Choice, Trust, and Transparency
At Finity Risk, we pride ourselves on identifying any coverage gaps for our clients, providing multiple options for them to choose from, and ensuring that their policies remain aligned with their changing needs through regular Annual Reviews.
We value long-term relationships and the trust that our clients place in us. Our agents in Tampa, FL, are dedicated to providing personalized service and expert guidance on local insurance matters.
As a digital agency, we offer convenient online access to your insurance documents and the ability to make changes to your policy with ease. We have partnered with top-rated insurance carriers to provide our clients with the best coverage options available.
What can an independent agent do for you?
One of the biggest reasons to choose an independent insurance agent is that they can place business with multiple insurance companies. They also represent insurers that don’t sell directly to consumers.
As a result, you’ll have access to many different companies and get competitive insurance quotes from a single source.
From Google Reviews
We're biased… Read what our customers say
Based on real customer reviews.
★★★★★
Hunting for insurance is a dreaded task, but Cassandra at Finity Risk is the antidote. She makes the process easy, convenient, and enjoyable! I sincerely enjoyed how she felt like a team player in my unique situation, and she was the perfect balance of friend and professional.
Jessie Rajski
Google Reviews
★★★★★
Great company! Takes care of all my insurance questions and needs!
lisset Burkett
Google Reviews
★★★★★
Heather and her team are great! They are very knowledgeable, friendly, and quick to respond.
Jorge Marrero
Google Reviews
★★★★★
Finity risk is a fantastic insurance company! Knowledgeable & great people to help assist and steer you in the right direction! Happily referring them to friends & family.
Ashley Stephens
Google Reviews
★★★★★
Finity Risk is simply fantastic! As a property management company, we rely on them for renters insurance for our tenants. Their service is fast, friendly, and their rates are unbeatable. Highly recommend them for anyone needing insurance!
Emily Brown
Google Reviews
★★★★★
Always provides great service for us and our clients. Fast, reliable and amazing customer service. I recommend using Finity Risk for all your insurance needs.
Lombardo Team Real Estate
Google Reviews
★★★★★
I have been very pleased with Finity Risk. Cassandra is fantastic to work with. She's extremely responsive and follows up quickly any time I reach out. She has also been quick to work with Citizens when there was something that need to be modified with my policy. Her help was especially important after Hurricane Ian with the large an ongoing claim. She was there each step of the way so that we could resolve the claim
Jared Kline
Google Reviews
★★★★★
Ask for Cassandra, she truly goes above and beyond! She cares about you and your personal situation above selling policies that don't fit your needs.
Sean K
Google Reviews
The team
Meet the Team
The people behind Finity Risk.
Heather Morales
Chief Executive Officer / Co-Founder
Heather loves talking to people about protecting the assets that matter most to them. She prides herself on finding insurance solutions for any situation and need. As founder of Finity Risk insurance, Heather designed the agency in 2019 with amazing associates and partners. She has over 10 years of experience in the insurance industry and looks forward to building on her already expansive experience and knowledge of the industry. She enjoys the outdoors and will grab fresh air every chance she gets. Her adventures usually include paddle boarding, hiking, and being near the ocean.
Cassandra Hong
Personal Lines Manager
Cassandra is our resident insurance guru. Her attention to detail and passion for helping clients are what ensure her ability to establish the very best insurance policies for our clients’ on-going needs. Cassandra comes from a long and extensive business management background in logistics and has been applying her skills and experience to the world of insurance. She has developed an extensive proficiency in the personal lines P&C business and helps her clients from the first contact to servicing. When Cassandra is not originating new policies she is enjoying time camping, rockhounding, exploring calligraphy, photography, and spending time with her incredible family.
Cheryl Stephens
Client Service Representative
Cheryl is the original insurance master. With thirty-one years in the industry, she can find an answer to any question and enjoys providing those answers to the client in an easy and understandable way. With Cheryl’s kind, caring, and can-do spirit she has been the go-to for her clients, assisting them with anything insurance, and getting them the best coverage for their needs. Cheryl enjoys many activities, but the most important thing to her is spending time with her family and grandchildren.
Heather Marchetta
Client Service Representative
Heather Marchetta has been a Florida girl for over 40 years and is excited to navigate the unique challenges insurance brings to this great state. She loves finding the greatest coverages for each unique need and looks forward to growing her knowledge and expanding her responsibilities within the agency. When she’s not chatting it up with clients, she can be found playing with her fur babies!
Stephanie Carberry
Client Service Representative
Stephanie’s unexpected journey into insurance is fueled by her love for helping people—easing minds, reducing stress, and saving money while providing essential coverage. Shaped by 13 years in the Army and National Guard, she values discipline, respect, and equality. From being a diesel mechanic to serving in an Aviation Unit, Stephanie embodies strength, resilience, and a commitment to making a positive impact on others’ lives. Stephanie is an outdoor enthusiast and at the heart of her interests is a deep love for horses. With four daughters and four grandchildren, her family holds a special place in her heart as well.
Na’keil Watson
Client Service Representative
Na’keil Watson is a seasoned customer service aficionado. She is a New Orleans native and exudes Southern hospitality when engaging with customers. With a charming smile and a knack for making folks feel right at home, Na’keil’s years of experience in the field have made her a true expert in customer care. While she might be new to the world of insurance, Na’keil is already dedicated to providing above-average customer satisfaction. When she’s not dazzling clients with her service, you’ll find Na’keil on adventures of her own — traveling, culinary creativity, and trying new things from diverse cultures.
Bonnie Chandler
Receptionist
Bonnie is our customer satisfaction champ with over two decades of receptionist experience! Her innate ability to make clients feel valued and heard has left a lasting impression on those she has served and earned her the respect and admiration of her colleagues and clients. Beyond her professional accomplishments, Bonnie finds immense joy in life’s simple pleasures — gardening, rock hunting, and strong bonds with friends and family.
See the difference independent advice makes
Get quotes from multiple carriers with a team that puts your coverage first.