PRODUCTS

WHO IS RISCOM?


RISCOM is a personalized, full-service multiline Managing General Agent (MGA) and wholesale brokerage operation with an appetite for commercial accounts of all sizes. Our goal is to provide you with superior commercial insurance products and services.

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In-House Underwriting


As a Managing General Agent for Houston International Insurance Group (HIIG), we hold the pen and make underwriting decisions in-house. Our underwriters consider your account individually and on its own merit. We work hard to offer you multiline coverages, while taking a competitive approach to selecting the very best risk. Our focus is providing you with timely underwriting and exceptional customer service.

Wholesale Brokerage Operation


For risks outside our in-house appetite, our wholesale team works with strategic carrier relationships to place ancillary coverages or tougher risks. We strive to write as many of your submissions as possible, eliminating the need to approach multiple markets or wholesalers.


Custom Product Offerings


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Commercial Auto

We offer Liability, Physical Damage, Medical Payments, and Uninsured Motorists coverage for light to extra-heavy units on AM Best Rated A- IX paper. With no minimum premiums or fleet size requirements, RISCOM is your best solution for competitive auto pricing and terms.

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Commercial Property

We offer Commercial Property coverage (with some wind restrictions in coastal parishes/counties) at competitive rates. Let us meet all your Commercial Property needs from Building and Contents coverage to Business Interruption and Extra-Expense coverage.

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Garage

We offer garage coverage for both dealer and service risks which may include Garage Keepers coverage and Dealer's Open Lot coverage. This coverage offers protection for an insured's premises, operations, and auto exposures.

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General Liability

General Liability insurance is a necessary coverage for all businesses. In today's litigious society, precautions must be taken in order to protect businesses from financial ruin in the event that a claim is made against them. We offer General Liability policies including Premises coverage, Personal and Advertising coverage, and Products/Completed Operations coverage for a large variety of commercial interests.

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Inland Marine

We offer Inland Marine coverage in conjunction with the other lines to complete the insurance package. Inland Marine product offerings include Motor Truck Cargo and Contractors Equipment coverage. RISCOM can provide a variety of deductible options and coverage forms to meet the needs of each individual risk.

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Wholesale Brokerage

As a division of RISCOM, we are aimed at providing a broader range of options and access to carriers outside our core MGA program. We have established relationships with many carriers to offer our agents quick turnaround and competitive pricing on a variety of commercial property and casualty products. Available wholesale coverages include Excess, Pollution, Professional, Allied Health, Sports and Special Events, and more!