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O&A Risk Solutions

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United States
Saint Johns, FL
O&A Risk Solutions

As an independent agency, O&A Risk Solutions offers tailored protection for families and businesses, with unlimited carriers.

We shop over 20+ top rated insurers to find you the best coverage and solutions, bringing 17+ years of expertise to every policy.

09/05/2026

🏡 SMALL BUSINESS SATURDAY | RIVERTOWN

This Labor Day Weekend, Let’s Talk About the Cost of Labor… and Rebuilding Your Home.

Your home may be worth $800,000 — but that doesn’t mean $800,000 is the right amount of insurance.

Market value, purchase price and replacement cost are three very different numbers.

Your homeowners insurance should consider what it could actually cost to rebuild your home today — including:

🔨 Labor & construction costs

🧱 Materials & custom finishes

🚜 Debris removal

🏗️ Current building-code requirements

➕ Extended replacement cost, when included

That’s why comparing homeowners insurance shouldn’t be based on premium alone.

The better question is:

“If we had to rebuild tomorrow, would our coverage be enough?”

This Labor Day weekend, it’s a good reminder that the labor behind rebuilding your home matters, too.

O&A Risk Solutions

Omar Calderon | President & Senior Risk Advisor

📞 904-788-5671 | 📧 [email protected]

🌐 www.oarisksolutions.com | 📱

Your Risk, Our Solutions.

08/29/2026

🏡 SMALL BUSINESS SATURDAY | RIVERTOWN

Estate Planning & Insurance: Two Important Pieces of the Same Protection Plan

When putting an estate plan in place, there’s another important piece that shouldn’t be overlooked:

Making sure your insurance still aligns with how your assets are now owned and protected.

For example, if your home is transferred into a trust, your homeowners policy should be reviewed to determine whether the trust needs to be appropriately recognized by the insurance carrier.

The same review can apply to:

🏡 Homeowners & investment properties

☂️ Umbrella liability

💎 Jewelry and valuable property

❤️ Life insurance & beneficiaries

Estate planning and insurance serve different purposes, but together they help protect your family, your assets and everything you’ve worked hard to build.

And since we’re talking about estate planning, a Small Business Saturday shout-out to fellow RiverTown resident Mark Moss and Law Offices of Mark F. Moss, a well-known estate planning attorney who has helped many families throughout St. Johns and our community with their estate planning needs.

It’s always great to recognize local professionals helping our neighbors protect what matters most.

Estate planning protects the plan.

Insurance protects the assets behind the plan.

Make sure the two work together.

O&A Risk Solutions

Omar Calderon | President & Senior Risk Advisor

📞 904-788-5671

📧 [email protected]

🌐 www.oarisksolutions.com

📱

Your Risk, Our Solutions.

08/22/2026

You upgraded your home. But did you upgrade your insurance?

Pools, outdoor kitchens, screened enclosures, generators, solar panels, renovations and other improvements can significantly change the value — and the risk — of your home.

But here’s something many homeowners don’t realize:

Your insurance policy doesn’t automatically know that your home has changed.

That beautiful new outdoor kitchen? New pool? Generator? Interior renovation? Expensive jewelry or artwork you’ve added over the years?

They should all be part of the conversation when reviewing your protection.

At O&A Risk Solutions, we believe a proper insurance review isn’t simply about asking, “Can we lower the premium?”

It’s also asking:

“If something happens tomorrow, is everything you’ve worked to build actually protected?”

As a RiverTown family ourselves, protecting our neighbors means more to us than simply writing policies. And after having the privilege of introducing our family to the community in this month’s Stroll RiverTown, we’re even more grateful for the opportunity to serve the families around us.

Your home changes. Your life changes. Your insurance should keep up.

O&A Risk Solutions

Omar Calderon | President & Senior Risk Advisor

📞 904-788-5671

📧 [email protected]

🌐 www.oarisksolutions.com

📱

Your Risk, Our Solutions.

08/15/2026

Your August issue of Stroll RiverTown has arrived! 🏡

This month, meet the Calderon family, Omar, Anilis, and their three incredible children, whose story of faith, family, and finding home in RiverTown is sure to warm your heart. ❤️

From treasured family traditions to building lasting friendships with neighbors, their story is a beautiful reminder that home is about the people who make a community special. 🤝

Inside this month's issue, you'll also find inspiring neighbor stories, a championship celebration, helpful seasonal advice, local business spotlights, and community favorites that showcase what makes RiverTown such a special place to call home. ✨

📸 Photo By JCK Photography

08/09/2026

SMALL BUSINESS SATURDAY | Let’s Talk Life Insurance

We insure our homes.

We insure our cars.

We insure our businesses.

But have we protected the one thing they all depend on — us?

Life insurance isn’t really about you. It’s about the people you leave behind.

If something happened tomorrow, could your family keep the home, replace your income, pay the bills, and continue the future you’ve been building together?

And if you’re a business owner, would your business, partners, employees, and family be financially protected?

Life insurance can help protect your family, income, home, business and legacy.

The question isn’t simply, “Do I have life insurance?”

It’s “Do I have the RIGHT amount and the RIGHT protection for what matters most?”

At O&A Risk Solutions, we’re happy to help you review your protection and understand your options.

Protect what you’ve built. Protect who you love.

O&A Risk Solutions

Omar Calderon

📧 [email protected]

📞 904-788-5671

📱

Your Risk, Our Solutions.

07/30/2026

Preparation matters! ✨

Insurance expert and RiverTown resident Omar Calderon shares a vital lesson we can learn from our military heroes, which is that the strongest protection plans are built long before a crisis happens. 💖

By adopting a mindset of responsibility and training yourself to think ahead, you can confidently protect the beautiful life you have worked so hard to build. 🛡️

07/25/2026

🏡 Personal Protection Saturday

The biggest mistake homeowners make isn’t filing a claim… it’s discovering what isn’t covered after the claim.

Most homeowners only look at two things when renewing their insurance:

✔️ The premium

✔️ The deductible

But some of the most important coverages are buried deep within the policy.

Ask yourself:

• Do you have enough Coverage A to rebuild your home today?

• Is your roof covered for Replacement Cost or Actual Cash Value?

• Do you have Ordinance or Law coverage if building codes have changed?

• Is water backup covered?

• Are your jewelry, fi****ms, or collectibles properly insured?

• Do you have enough personal liability coverage to protect your family’s future?

The truth is…

Two homeowners can have policies with the same premium—and vastly different protection.

At O&A Risk Solutions, we believe insurance isn’t about buying a policy.

It’s about understanding your risk before a loss ever happens.

That’s why we offer a complimentary personal insurance review to help identify coverage gaps and ensure your home, family, and assets are properly protected.

Because when the unexpected happens…

The best claim is the one that’s fully covered.

O&A Risk Solutions

Omar Calderon

📧 [email protected]

📞 904-788-5671

📱 Facebook: O&A Risk Solutions

07/18/2026

Many business owners don’t outgrow their insurance… they outgrow the policy they bought years ago.

When a business first opens, a basic policy may be enough.

But as your business grows, so do your risks.

• You hire employees.

• You purchase new equipment.

• You invest in inventory.

• You buy company vehicles.

• You sign larger contracts.

• You expand into new locations.

The problem? Many businesses never update their insurance to keep pace with their growth.

At O&A Risk Solutions, we believe your insurance program should evolve alongside your business—not remain the same policy you purchased on day one.

As an independent insurance broker, we work with multiple top-rated insurance companies. That means as your business changes, we can help evaluate your coverage, identify gaps, and recommend solutions that fit your current needs—not yesterday’s.

Insurance isn’t just about checking a box.

It’s about protecting everything you’ve worked so hard to build.

If it’s been more than a year since your business insurance was thoroughly reviewed, we’d be happy to provide a complimentary commercial insurance review and help ensure your coverage has grown with your business.

O&A Risk Solutions

Omar Calderon

📧 [email protected]

📞 904-788-5671

📱 Facebook:

Your Risk, Our Solutions.

07/11/2026

Insurance isn't just another monthly bill. It's protection for your home, your family, your business, and everything you've worked hard to build. 🛡️

RiverTown resident Omar Calderon of O & A Risk Solutions reminds us that rising repair costs, severe weather, and changing market conditions make it more important than ever to review your coverage regularly. 🤗

"The reality is that insurance pricing is affected by much more than your personal history." 💭

A simple policy review today could help ensure you're protected for tomorrow. 💡

Address

1
Saint Johns, FL
32259

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 3pm
Sunday	9am - 3pm

Telephone

+19047885671

Website

facebook.com

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