Debra Cerre-Ruedisili, JD

Chief Executive Officer

Debra Cerre- Ruedisili serves as Chief Executive Officer of the Fund. Together with the Board of Directors, Ms. Ruedisili is responsible for overall management and administrative oversight of the Fund and its operations.
She came to FCBI Fund in January, 2016, as a multi-faceted leader with a diverse array of accomplishments demonstrating strong business acumen, relationship building skills, strategic decision-making and communications expertise.
Prior to taking the leadership role at FCBI Fund, Ms. Ruedisili served as Executive Vice President and Chief Operating Officer of AmCOMP Incorporated, Senior Vice President of Meadowbrook Insurance Group, and Workers’ Compensation Practice Leader with GuideOne Insurance.
Ms. Ruedisili holds a Juris Doctor degree from University of Detroit Law School and a Bachelor of Arts from the University of Michigan.

Samuel D. Oswald, MBA, CPA

Chief Financial Officer

Sam is a licensed Certified Public Accountant. He graduated from the University of Central Florida in 1986, with a Master’s Degree in Business Administration, as well as graduating in 1985 with a Bachelor of Science Degree in Accounting, with honors, from the University of Florida.
Formerly a principal in the firm of Shores & Company, P.A. where he worked for nine years, Sam also worked with the firm of Ernst & Young, LLP for five years. During his career with these firms, he provided an extensive amount of auditing, tax and management advisory services to a large number of clients in various industries including the commercial insurance sector.
Sam has served as the Secretary/Treasurer for the Florida Citrus, Business and Industries Fund since 2000.

Oversight, guidance, and overall policy-setting responsibilities for the Fund reside with the FCBI Board of Trustees, an elected body presently consisting of six members.

Gasper Kovach, Jr.


Mr. Kovach recently retired from his position as CEO of HESCO, an agricultural supply cooperative based in Waverly, Florida. He served in that position for nearly 40 years, and grew the company from a small, local citrus cooperative to a recognized regional operating supplies distributor.
“Gap” currently serves as Chairman of The Florida Citrus, Business and Industries Fund, the Cooperative Development Foundation, the Mutual Service Cooperative Fund and is a member of the National Cooperative Business Association.
He is a Phi Beta Kappa graduate of Lake Forest College and received his MBA from the Amos Tuck School of Business Administration at Dartmouth College.
Gap is also active in community service serving as a Guardian Ad Litem and on the Board of Arts on the Park in Lakeland.

John L. Minton, Sr.

Vice Chairman

John, a CPA, is principal of John L. Minton CPA. Since 1979 John has also been employed by Minton Sun, Inc., a family-owned operation, as head of accounting, financing and tax planning for all operations of multiple entities including packinghouses, citrus acreage, real estate, insurance and a 7600 acre ranch in Sarasota, Florida.
John is a graduate of the University of Florida where he received his Bachelor of Science degree in Agriculture, as well as his MBA. He has served on the Florida Citrus Commission, is a Board Member and past Chairman of Diamond R Fertilizer, and a member and past President of the Kiwanis of Vero Beach.

Daniel R. Richey


Dan Richey is President/CEO of Riverfront Packing Company, President of Riverfront
Groves, Inc. and President of Gulfstream Harvesting Company. Dan has served as President and Chairman of the Indian River Citrus League and President of Florida Citrus Packers and currently serves on the Executive Committee of both organizations.
In 1999 Dan was appointed by Governor Jeb Bush to serve as a member of the Florida Citrus Commission from 1999 to 2004 and served as the Chairman of the Commission from 2000 to 2002.
Currently Dan serves as a member of the Agricultural Trade Advisory Committee appointed by the U.S. Secretary of Agriculture and the U.S. Trade Ambassador to advise them on trade issues. He is a member of the Board of Directors for Florida Fruit & Vegetable, member of the Board of Directors for Torrey Pines Institute for Molecular Studies and a Board member of CenterState Bank. A graduate of Florida Southern College, Dan resides in Vero Beach, Florida.

Jim Emerson


Jim Emerson received a Bachelor of Science Degree from the University of Florida in 1970 with a major in Agricultural Economic/Business Management. His early career involved work with the Florida Farm Bureau, the Florida House of Representatives and Executive Vice-President of the Florida Citrus Packers Association.
He assumed the role of Administrator of the Citrus Self-Insurers Fund (a/k/a Florida Citrus, Business & Industries Fund) in 1988 and, additionally, became the organization’s President in 2002. He was elected to the Board in 2015.

Jeffrey K. Jennings

Senior Underwriter

Jeff has over 35 year’s experience in the construction industry with responsibility for all municipal and design/build projects. Jeff has expertise in management, cost control, estimating, scheduling, pre-construction and construction phase administration. This experience has honed his leadership and communications skills.
Jeff is the past President of the Florida Associated Builders and Contractors as well as past President of the Central Florida Chapter of Associated Builders and Contractors, the Central Florida Builders Exchange and the Country Club of Orlando.
He has served on the St. Johns River Water Management District Executive Board and is a recent past Council President of the Central Florida Council of Boy Scouts of America.
Jeff graduated from the University of Florida with a Bachelor of Science Degree in Civil Engineering.

Your workers' compensation solution

FCBI Celebrates 40 Years!

Under Construction


We are sorry for any inconvenience this may cause. But, all new business should now be sent to submissions@fcbifund.com. 

Kindly remember to include the loss runs and a completed Construction Operations Supplemental, if applicable, with your new business email. We look forward to receiving your submission and thank you for your business!