As an insurance broker, I started feeling like a commodity, simply finding my clients the best price. I opened JW Risk and created Risk-Surance™ because I wanted to do more for my clients and make real difference.  I then discovered a need that had to be filled.  Most companies paying $100,000 or more for their workers’ compensation insurance should hire a full-time risk manager but can’t justify the extra payroll expense. Annual salary of a good risk manager is going to be $100,000 or more and companies usually wait until the 200+ employee mark before making this hire.  So depending on the industry, those company with 30 to 250 employee can really benefit from our service.  

This of us an a commercial insurance broker that provides fractional risk management services are you additional cost.  Your current insurance agent is being paid a commission from the insurance company every year, typically 10-12%. Once we become your agent we accept that same 10-12% commission as payment in full, and provide additional risk management services, at no extra charge.  Our Risk-Surance™ is a unique blend of risk management and business insurance that is designed to prevent injuries and claims from happening in the first place, which will drive down your insurance premiums, increase production and boost profits.  Our job, is to make your job easier.