management team

Management Team

Leadership. Dedication. Customer Service.

Florida Family Insurance team members offer experience, insight, and knowledge in providing homeowners and investment property owners with preeminent homeowners insurance coverage backed by the industry's highest standards for claims response and customer service.


Photo of Rick Hardy

Rick Hardy


As the founder of Florida Family, Rick is instrumental in the development and design of an approach to providing valued insurance and service to the Florida homeowner insurance market place. He has a track record of building a customer-focused business with an emphasis on creating high performing teams and effective risk management.

Rick has an extensive background in property and casualty insurance, spanning more than 35 years, including over twenty years of senior insurance company management, and the successful formation of two insurance agencies and two insurance companies.

Rick graduated from San Jose State University.


Photo of Bill Wiggs

Bill Wiggs

CEO, President & CFO

With a notable standing for producing long-term security through risk-based strategies, rigorous management and corporate strategy development, Bill and his team are responsible for finance, investments, analytics, risk policy portfolio forecasting and reinsurance.

Bill started his insurance-related financial experience over 30 years ago.  His career includes working for Pricewaterhouse Coopers and nine years as Senior Vice-President and Controller of Zurich-US. 

A graduate of the University of Illinois, Bill is a Certified Public Accountant (CPA) and a member of the American Institute of Public Accountants (AICPA) and the Illinois CPA Society.


Photo of Tony McCarty

Tony McCarty

Senior Vice President of Sales & Claims

Tony is responsible for claims and for all field production, including sales and field claims adjusters. Tony has 30 years of property and casualty expertise in Florida. He has a thorough knowledge of how to handle customers' claims fairly and promptly, and day-to-day market conditions.Tony is well known for his innovative approaches.

Over his career he has held leadership positions in responding to numerous catastrophic events dating back to Hurricane Andrew and more recently the storms of the 2004 and 2005 seasons. His first hand knowledge of the challenges facing the independent agency is instrumental in developing new products and opportunities.

Tony is a graduate of the University of Florida.


Diane O’Connor

Senior Vice President of Underwriting

Diane's dedicated underwriting and customer service leadership helps shape Florida Family’s approach to supporting policyholder services. She has extensive experience balancing policyholder needs and ensuring that Florida Family maintains the high level of security that the company’s customers can depend on.

Diane has a notable 25-year management career in personal lines underwriting and insurance operations bringing a detailed technical knowledge to the business while maintaining customer service goals. Her experience includes 13 years with Prudential Property and Casualty as Regional Underwriting Manager responsible for 12 states, including Florida.

Diane graduated from Stetson University and holds a Chartered Property Casualty Underwriter (CPCU) designation.  


Photo of Norbert Kluczynski

Norbert Kluczynski

Vice President of Sales

Known for his ability to see trends and needs in the Florida market, Norbert brings his enthusiasm for building strong relationships to Florida Family’s agents and partners. He and his team are driven to build strong relationships and successfully drive opportunities that serve policyholders.

Norbert has been rooted in the insurance industry for more than 25 years. Prior to joining Florida Family, he was employed by Dodson Insurance Group in Kansas City, Chicago Benefits Inc. and United States Fidelity and Guaranty—both located in Chicago.  While working for those companies, he was responsible for the marketing of Workers Compensation, specialty programs, personal and commercial lines of business.

A graduate of Elmhurst College in Illinois, Norbert is on the Board of Directors of the Florida Home Builders Insurance.


Brent Brummer Photo

Brent Brummer

Vice President of Claims

His knowledge of the market and ever-changing trends makes him an instrumental member of our team. Hired as the Claims Manager in 2009, Brent was promoted to Vice President in 2013. His dedication to making our Claims Department the best in the industry is apparent through the consistent accolades we receive from our Policyholders and Agents.

Brent has over sixteen years of experience handling homeowners, automobile, commercial, and related liability claims, including an extensive background with first and third party litigation files. Brent received both his bachelors and masters degrees from Florida State University, and holds Charter Property and Casualty Underwriter (CPCU) and Associate in Claims (AIC) designations.