Risk Theory provides nationwide insurance programs which incorporate dynamic coverages, features, and flexible underwriting with dependable, and reasonably priced coverage. By underwriting each risk individually we are able to independently rate and tailor our coverage to fit each unique client’s needs. Risk Theory’s management team brings together a group of seasoned insurance professionals with a combined experience of over 100 years in the insurance world.

Dealer Garage Package

The Risk Theory Garage Program for Auto Dealers provides a broad, multiple-line package policy tailored to the unique exposures of franchised auto dealers.

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Dealer Open Lot

Risk Point provides Dealership Insurance that is dependable and flexible with physical damage coverage for cars, RV’s, heavy trucks, and motorcycles.

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Auto Service & Repair 

The Risk Theory Garage Program for Auto Service & Repair provides specialized insurance designed for independent and franchised operators.

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Energy

Risk Transfer Partners Energy Insurance extends to contractors working with pipelines, oil refineries, chemical blending, oil drilling, solar manufacturing, and biofuels.

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F & I

Risk Theory Dealer Advisors is a dealer-centric, direct sales organization that offers a full suite of Finance & Insurance products, financial participation programs, and income generating consulting.

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Construction

Risk Transfer Partners Construction Insurance provides broad form high liability coverage for general contractors, construction contractors, and skilled trade contractors.

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Environmental

Risk Transfer Partners Environmental Liability Insurance for contractors handling asbestos, lead, mold abatement, bioremediation, chemical blenders, disposal facilities, and waste workers.

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Manufacturing

Risk Transfer Partners Product Manufacturing Insurance is custom-tailored liability coverage for all types of product manufacturing, whether they are low or high hazard exposures.

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