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Specializing in Personal and Commercial Insurance Services






Your vehicle is a central part of your lifestyle. It is your connection between all of the important places you go every day. We will create the perfect insurance plan for you that is tailored to the coverage you need at a price you can afford.



If you have others who depend on you financially, it is very likely that you need life insurance. Life insurance can give security to you and to the ones you love. We will help you with a life insurance policy that meets your needs. Give us a call today!



Your home is likely the largest investment you will ever make. You work hard for all that you have, and you need to be protected in the event of a loss. In addition to homeowners insurance, we also offer mobile home, condo owners, and renters insurance.



Did you know that flood damage is not typically covered by the standard homeowners insurance policies? You need separate flood insurance that will cover losses sustained by water damage, as it specifically relates to flooding.



We know that no two businesses are alike. Whether you need property insurance for your restaurant or dealer’s blanket coverage to protect the cars at your dealership, we can help meet your specific insurance needs.

  • Artesian Contractors

  • Retail

  • Office

  • Landlords

  • Restaurant / Liquor Liability

  • Auto Repair

  • Vehicle Sales



You work hard and you play hard. We can provide coverage to take care of your toys, including your boat, motorcycle, and recreational vehicles.



You don’t have to be a millionaire to be sued like one.   You’ve worked too hard to have your assets depleted by a lawsuit that may or may not have any merit.  An umbrella policy can add that extra layer of protection.



Experienced Insurance Agents in South Carolina

With over 80 years of combined experience in the insurance industry the staff at The Ricard Agency seeks to provide you with the product knowledge and service you deserve, whether your concerns involve your automobile, home, boat or business insurance. As an Independent Insurance Agency we are not affiliated with one insurance company. Instead we represent multiple companies directly, as well as having access to top regional and national carriers through our strategic partnership with the Assure Alliance Network. All this to insure that we can provide you with the information and insurance products you need to make the appropriate choices for your particular situation.

about us


Ann Ricard

I began my insurance career in 1989 as an insurance agent with Farm Bureau. In 1994, needing to spend more time at home with our two children I accepted a customer service position with a new State Farm Agency. This invaluable experience re-enforced not just the value, but also the rewards of customer service. Another door opened in 2003 and I went to work with an independent insurance agency. In 2014 I resigned my partnership with that agency to open The Ricard Agency. Discovering the Independent Agency System, has allowed me to combine the product knowledge, company support and commitment to customer service that I hope will set the Ricard Agency apart.


We make a living with what we get, we make a life with what we give. I have had the privilege to be a part of the Midlands Blue Star Mothers since my son’s deployment in 2003. Much of my time away from the office is devoted to the efforts of this group to ensure that the service and sacrifice of so many never goes unacknowledged or unappreciated.

Ricky Ricard

I am a lifelong resident of the Lexington/Gilbert community. Having worked in sales and management in the building supply industry as well as spending twenty two years with Michelin Tire Company. I know the value of quality and service and am committed to applying those principles to our clients on a daily basis. I am an active member of First Calvary Baptist Church in Leesville where in addition to my responsibilities as a deacon, I serve on the finance committee and along with Ann are involved in outreach and with the hostess team. .  I am a member of the Rotary Club of Lexington and enjoy participating in many of their community service projects.


We are the proud parents of two children who have blessed us with three perfect grandchildren.

George Stoudemire

In 1971, after 3 years in the United States Army, I began my insurance career with my father at the Woody Stoudemire Company. In 1989 we moved the office to it Lexington. After 55 years my partner, Nancy Peacock and sold the agency to The Ricard Agency. I am still an active part of the agency and while I am enjoying semi-retirement, I have no plans to stop.


I have been a member of the Rotary Club of Lexington for 35 years and am involved in several community projects including Chris Myers Children's Place and the scholarship program at our three area high schools. I have served on the board of directors with the Lexington Chamber of Commerce and served as Vice Chairman of Church Council at St. Stephens Lutheran Church.

our team





311 North Lake Drive

Lexington, SC 29072

Phone: (803) 957-8680


Monday - Thursday:  9:00 am - 5:00 pm
Friday:  9:00 am - 2:00 pm
Other times by appointment
Monday - Thursday:  9:00 am - 5:00 pm
Friday:  9:00 am - 2:00 pm
Other times by appointment

For any general inquiries, please fill in the following contact form:

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