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.


Farm - Nursery Employees & Drivers


Farm - Orchard or Grove & Drivers


Farm - Poultry or Egg Producer & Driver


Farm - Florist & Drivers


Farm - Dairy & Drivers


Feed Yards. Stock Farms.




Potato Crops


Cotton Farms


Orchards - Nut Crops


Farm Machinery Operation - By Contractors & Drivers


Farm - Berry or Vineyard & Drivers


Nut Hulling, Shelling or Processing


Field Crops


Truck Farms


Grain or Feed Milling


Ice Cream Manufacturing and Drivers – (Incidental)


Creameries and Dairy Products Manufacturing – (Incidental)




Meat Products Manufacturing – NOC (Incidental)


Fruit - Citrus Fruit Packing and Handling - Including Storage


Fruit - Dried Fruit Packing and Handling


Fruit and Vegetable Preserving


Box, Box Shook, Container or Pallet Mfg.


Farm Machinery Dealers (Incidental - Referral Required)


Stores – Feed

Program Territory Map