National Broker Risk Innovations enters California market with 10+ options for Workers’ Compensation and Personal Lines Insurance

In our continued effort to provide our Trusted Choice® partners with unsurpassed options for their Workers’ Compensation & Personal Lines insurance needs, we are excited to announce that Risk Innovations is open for business in California. Pairing Risk Innovations’ knowledge and expertise with our carriers’ unique underwriting approaches and industry-leading claims service, we are able to provide custom solutions for your clients. Risk Innovations is a National Wholesaler that specializes in High Net Worth Personal Lines Insurance and Workers Compensation.  Our tagline “Better markets, better expertise” has never been more accurate.

About Risk Innovations: Risk Innovations is an independently owned and operated multi-lines wholesaler that caters to the needs of independent insurance agencies. Founded in 2002, Risk Innovations continues to expand its operations with offices in Atlanta, GA; Kansas City, MO; Charlotte, NC; and Chicago, IL.

Workers’ Compensation: At Risk Innovations, we are relentless in our pursuit to find markets that entertain the hard to place accounts and still offer competitive pricing for lighter in hazard, well performing accounts. We are partnered with some of the industry’s most esteemed carriers which allow us the capability to write unlimited experience mods and high hazard risks, no matter the locations.
We can help you place most accounts including:

  • New Ventures or those without prior insurance
  • Construction, Transportation, Healthcare, Retail/Wholesale, Hospitality, Restaurant/Bar, Service, Manufacturing, Professional Service
  • Use of Subcontractors or Work Performed at Heights
  • Any and all regions in the state
  • Flexible Payment Plans (including pay-as-you-go options)
Please send Workers’ Compensation New Business Submissions to:

For Workers’ Compensation questions, please contact:
Kristi Tinker / New Business Specialist / 678-206-6876

Personal Lines: When it comes to affluent clientele, a standard home and auto policy may not provide sufficient coverage limits. Risk Innovations has partnerships with the top high net worth insurance carriers in the industry.  With more than 70 years of collective experience, our Personal Lines staff provides our agency partners with the knowledge and commitment required to cover all of their client’s unique needs.  Risk Innovations also has multiple surplus lines carriers to assist with harder to place risks.

Our Personal Lines target market areas in California include:

  • High-Value Admitted Homeowners: $500k+ homes with favorable loss history; depending on location package generally required
  • Surplus Lines Homeowners Risks: $200k+ primary homes, secondary homes, vacant homes, rental homes, etc.
  • Personal Article Floaters: Packaged or monoline coverage for jewelry, fine art, wine collections, silver, gun collections, trading collections, etc.
  • Umbrellas: Packaged or monoline policies up to $50MM with admitted and non-admitted offerings
  • Automobiles: Packaged or monoline policies for personal use vehicles, antique and collector cars
  • Excess Flood
  • Watercraft & Yachts
Please send Personal Lines
New Business submissions to:
For Personal Lines questions, please contact:
Kathryn Powell Smith / Personal Lines Manager / 678-495-4367