About Us

Risk Concepts Insurance Brokers provides California businesses with high quality advice and service to identify risk and create the best solutions to manage it.  Risk Concepts has the market access, knowledge and experience to handle all lines of commercial insurance, personal insurance, surety bonding and employee benefits.  Risk Concepts has also strategically aligned itself with experts in the areas of life insurance, business continuation and estate planning.

Risk Concepts is a trusted advisor to California businesses that was founded on the premise that clients can often be best served by a smaller, knowledgeable and resourceful brokerage firm – a firm that recognizes the value of your confidence and treats your interests as if they are our own.

As an independent affiliate of Pacific Interstate Insurance Brokers, Risk Concepts aggregates its premium volume with 143 other  brokerage firms to maintain direct access to 40 of the most stable, competitive California-licensed insurers and more than 100 “excess & surplus lines” insurers.

How much you pay for insurance often depends on how well the broker understands your unique business, presents it to the marketplace and maximizes an underwriter’s confidence to take on your risk.  Somewhat like a tool or a musical instrument – the result usually depends on the skill and experience of the person using it…  We’ve spent years building relationships with high quality insurance providers who are ready to listen as we share your story and negotiate on your behalf.

This is where Risk Concepts’ true value can benefit your business…

Risk Concepts’ true core competency and passion lies with client relationships and the development of insurance programs to meet their present and future needs/objectives – hence our motto and statement of commitment:


Conscientious Service…Reliable Advice…Always