Risico Insurance Services

Providing a full service insurance company solution by offering specialized insurance products and services that deliver superior underwriting and risk management results rarely seen in today’s market.

Underwriting and Policy Services

Risico has been a leading Managing General Agency in the California Workers’ Compensation insurance market since 1993.

With over a billion dollars in premiums generated, our decades of experience and focus in underwriting, policy issuance, premium billing, final audit, loss control, claims administration and managed care allow us to mimic more of an insurance company than an MGA.

While our competitors are reacting to the current underwriting cycle, we take a long-term approach to the marketplace and our business relationships. Our insureds, brokers and carrier partners rest assured knowing that when it is time to deliver, we will be there.

Claims Management

We specialize in the adjustment of Workers’ Compensation claims in California and provide our services to both our insurance carrier partners and self-insured clients.

Our effective claims management services begin with a qualified, experienced and bilingual staff making the best decisions, early and consistently, to quickly close claims at the lowest possible cost.

Through our efficiency and effectiveness, we are able to maximize savings and generate industry-leading results.

Loss Control

With over 50 years’ combined experience, we have one of the most knowledgeable loss control teams in the industry.

Our bilingual loss control professionals can inspect and evaluate facilities, equipment and operations to identify hazards or behaviors that may give rise to claims, and then assist in developing a program to help mitigate or eliminate those exposures.

Ultimately, we understand that the best way to protect your bottom line is to control losses by preventing them before they happen.

California’s Agricultural Industry

Agriculture is a major industry in the Golden State. With over 80,000 farms and ranches producing approximately 400 commodities, California agriculture is a $46.4-billion industry that generates at least $100-billion in related economic activity.

The state produces nearly half of all US-grown fruits, nuts and vegetables. Across the globe, consumers regularly purchase several crops produced solely in California.

Agricultural Workers’ Compensation Insurance Program

Risico has partnered with AmTrust Financial Services (rated “A” IX by A.M. best) to provide a competitive Workers’ Compensation insurance market to California’s agricultural industry.

Our expertise, experience and focus allow us to offer complete underwriting, claims and loss control solutions for complex agricultural risks.

To see if your client qualifies for our program, or to discuss further, please feel free to contact one of our experienced underwriters at (559) 277-4800.

Wholesale access for this program is available through Inter-Pacific Insurance Brokers, Inc.

Workers’ Compensation Eligible Class Codes

The following governing classifications are eligible for the program. Other class codes may be considered if incidental, but referral is required. For the purposes of eligibility, “incidental” shall be no more than 20% of the overall operation.

0005

Farm - Nursery Employees & Drivers

0016

Farm - Orchard or Grove & Drivers

0034

Farm - Poultry or Egg Producer & Driver

0035

Farm - Florist & Drivers

0036

Farm - Dairy & Drivers

0038

Feed Yards. Stock Farms.

0040

Vineyards

0041

Potato Crops

0044

Cotton Farms

0045

Orchards - Nut Crops

0050

Farm Machinery Operation - By Contractors & Drivers

0079

Farm - Berry or Vineyard & Drivers

0096

Nut Hulling, Shelling or Processing

0171

Field Crops

0172

Truck Farms

2014

Grain or Feed Milling

2039

Ice Cream Manufacturing and Drivers – (Incidental)

2063

Creameries and Dairy Products Manufacturing – (Incidental)

2081

Butchering

2095

Meat Products Manufacturing – NOC (Incidental)

2108

Fruit - Citrus Fruit Packing and Handling - Including Storage

2109

Fruit - Dried Fruit Packing and Handling

2111

Fruit and Vegetable Preserving

2759

Box, Box Shook, Container or Pallet Mfg.

8116

Farm Machinery Dealers (Incidental - Referral Required)

8117

Stores – Feed

Program Territory Map