Peace of Mind Insurance Solutions

For Individuals & Businesses, Since 1995

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About Risk Managers, LLC

With a collective experience of over 100 years in the insurance industry, we are committed to providing guidance and education to our clients, whether at home or in their business pursuits.

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PERSONAL INSURANCE

We offer coverage for all your personal insurance needs, including auto, home, renters, personal umbrella, RV, and more.

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COMMERCIAL INSURANCE

We offer coverage for diverse businesses, including General Liability, Property, Workers Compensation, Business Auto, Cyber, Umbrella, Professional Liability, etc.

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LIFE INSURANCE

We provide insurance for individuals, families, and businesses, offering peace of mind and security in the face of death, disability, or health issues.

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Home & Auto

Insurance

Welcome to Risk Managers, where your peace of mind is our priority. Our comprehensive home and auto insurance policies are designed to provide unparalleled protection and ease for life's unexpected turns.


Our dedicated team works tirelessly to tailor policies that fit your lifestyle perfectly. Experience the confidence of being covered with us – where your safety is our commitment."

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Insurance for Contractors

Our contractor-focused policies are meticulously designed to shield your business from liabilities, workplace accidents, and unforeseen interruptions. From general liability to workers' compensation, and from equipment coverage to commercial vehicle insurance, we offer a comprehensive suite of options that ensure every aspect of your contracting business is protected.


With our expert team by your side, you'll have the confidence to tackle projects big and small.

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Insurance for Bars & Restaurants

We understand the myriad of challenges faced by the hospitality industry, from property damage and liability risks to employee safety and food spoilage concerns. Our specialized policies cover everything from general liability to liquor liability, ensuring that your establishment is protected against the unexpected. With our business interruption coverage, you can also have peace of mind knowing that your operations can continue smoothly in the face of unforeseen closures.

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RELATIONSHIP, SERVICE, AND EDUCATION

We're not just insurers; we're partners in your success.

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Latest News

18 Mar, 2024
In the ever-evolving landscape of the insurance industry, the current trend towards a hard market has become a significant concern for policyholders. At Risk Managers, LLC, we understand the challenges you face during these times and are committed to providing you with the most favorable rates available. This blog post aims to shed light on the behaviors of insurance companies during a hard market and what this means for you and your insurance coverage. Understanding the Hard Market A hard market in the insurance industry is characterized by higher premiums and deductibles, coupled with stricter policy terms. This phenomenon has been particularly pronounced in recent years, affecting both property and casualty insurance sectors, albeit with property insurance facing more severe challenges. The root cause of these challenges can be traced back to a combination of factors, including increased inflation rates, significant loss events such as hurricanes, and the overall economic climate. For instance, commercial property insurance premiums have seen a sharp increase, estimated at 17% to 18% in 2023, a continuation of the trend from the previous year. The Impact on Policyholders During a hard market, insurers may adopt more conservative underwriting practices, resulting in increased scrutiny of risks and potentially higher insurance costs for policyholders. Specifically, those located in high-risk areas or industries may experience more significant premium increases due to the heightened risk of catastrophic events. However, it's not all doom and gloom. The insurance landscape is complex and constantly changing. Experts predict some pressures driving up premiums may start to ease in 2024, although they won't subside completely. This means there could be opportunities for policyholders to negotiate better terms or find more affordable coverage options. Our Commitment to You At Risk Managers, LLC, we are acutely aware of the challenges presented by the hard market. We are diligently working to mitigate these effects for our insureds by negotiating the best possible rates and exploring all available avenues to provide cost-effective, comprehensive coverage. We believe in proactive communication and partnership with our clients to navigate these challenging times together. Strategies for Mitigating Hard Market Impacts Policy Optimization: Review your policy to ensure it aligns with your specific business needs. Adjustments in coverage can lead to significant cost savings without compromising on essential protection. Increase Deductibles: Consider raising your deductible if it is financially viable for your organization. This can lower your premium costs while still safeguarding against substantial losses. Market Shopping: Engage in shopping the insurance market, possibly with the assistance of an independent expert. A competitive bidding process can help secure more favorable terms. Use Analytics: Leverage analytics to better understand and articulate your risk profile. This can be instrumental in negotiating terms and identifying areas where you can reduce risk exposure, potentially leading to lower premiums. Alternative Risk Transfer (ART) Solutions: Explore ART solutions, such as captive insurance or risk retention groups, which can offer more control over your insurance program and potentially reduce costs. Looking Ahead The insurance industry is inherently cyclical, with periods of hard and soft markets. While the current hard market presents challenges, it also offers an opportunity for businesses to reassess their risk management strategies and insurance needs. At Risk Managers, LLC, we are here to support you through this process, providing expertise and solutions tailored to your unique circumstances.  In conclusion, despite the hard market conditions, there are strategies that policyholders can employ to manage their insurance costs effectively. By working closely with your broker and taking proactive steps to mitigate risks, it is possible to navigate through these challenging times successfully. Remember, we are in this together, and our team at Risk Managers, LLC is committed to helping you secure the best possible outcome for your insurance needs.
10 Feb, 2024
As we step into February, the air fills with the essence of love, marking a season where expressing our deepest affections becomes a priority. It's a time when we go above and beyond to show those we care about how much they mean to us. But while chocolates, flowers, and heartfelt notes are beautiful gestures, there's a more profound way to secure the well-being of our loved ones beyond the surface level of traditional Valentine's Day gifts. At Risk Managers, LLC, we see this season as an opportune moment to remind the heads of households about the paramount importance of protecting their families through comprehensive insurance coverage. In an ideal world, love alone would shield our families from life's uncertainties. However, reality brings forth challenges that require practical solutions. While many of us have considered life insurance, it's crucial to recognize that protecting our loved ones encompasses more than just life coverage. It involves a holistic approach that includes life, auto, umbrella, and homeowners insurance, ensuring a safety net around every aspect of our family’s life. A Holistic Approach to Family Protection Our mission extends beyond just advocating for life insurance. We aim to cover the spectrum of insurance needs, ensuring that your family is protected from all angles. Life Insurance: The cornerstone of family protection, life insurance ensures that in the face of life's greatest uncertainty, your family’s future and dreams are secure. It's a foundation upon which the financial well-being of your loved ones can stand firm, providing support when they need it most. Auto Insurance: Every journey should be safe and secure. Auto insurance is vital in protecting your family on the road, offering peace of mind for every trip, whether it's a daily commute or a holiday adventure. Umbrella Insurance: In an unpredictable world, umbrella insurance provides an extra layer of security. It extends beyond your standard policy limits, covering unforeseen liabilities and ensuring that your family's financial future is secure against unexpected events. Homeowners Insurance: Your home is the heart of your family’s memories and dreams. Protecting this sanctuary with homeowners insurance means safeguarding your loved ones from the unpredictable, from natural disasters to theft, ensuring that their safe haven remains intact. The Gift of Peace of Mind  As we celebrate love this February, let's redefine our expressions of affection by securing a protective embrace around our families that lasts far beyond the fleeting moments of Valentine's Day. At Risk Managers, LLC, we're dedicated to guiding you through the maze of options to find the coverage that best fits your family's unique needs. We invite you to schedule a consultation with us. Let's have a conversation about how we can fortify the future of those you cherish the most. It's not just about policies; it's about ensuring that your act of love translates into peace of mind and security for your loved ones. Remember, protecting your family through comprehensive insurance coverage is one of the most profound expressions of love. Let this Valentine's Day be the start of a new tradition—one where love is not just felt but actively protected.
22 Dec, 2023
Nathan Johnson with Risk Managers, LLC , talking with Tanner Wilkinson
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