Program Administrators - RISK THEORY, LLC
RISK THEORY, LLC
Company Description
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. Risk Theory was founded in 2012 and its headquarters are in Dallas, Texas.
Programs & Coverages
Dealer Open Lot Vehicle Inventory Program
RISK POINT VEHICLE INVENTORY PROGRAM: AUTOMOBILE DEALER’S OPEN LOT PHYSICAL DAMAGE INSURANCE
Program Features:
- Program is available for Franchised and Non-Franchised Auto Dealers, Truck Dealers, RV Dealers and Motorcycle Dealers.
- Weather Loss aggregate deductibles available.
- Economic Loss covered to a maximum of $2,500 as a result of collision damage to a new vehicle and $2,500 for additional miles added to the odometer of a new vehicle as a result of a theft loss to a new vehicle.
- A high sublimit ($200,000 per year) for False Pretense (trick, scheme or device) loss.
- Coverage available for stored “off lease” vehicles.
- An aggregate deductible on collision losses. This is unique in the industry.
- The “margin clause” provides coverage equal to 125% of the limit shown in the event that a loss exceeds the limit of insurance shown on the policy. The average monthly value is the limit of insurance shown on the declaration page that will be used as the rating basis. The “margin clause” does not apply to Flood or Earthquake coverage.
- Convenient payment plan with 15% down and 10 monthly payments.
- No monthly reports of values required by dealers.
- Superior Customer Service.
- Claims Service provided by Risk Point and managed from our Dallas, Texas headquarters.
- Loss Prevention Service such as Risk Point Alert early warning app is available as needed.
Contact
Brian Atkinson469-310-9142
batkinson@risktheory.com
Garage Program for Franchised Auto, Heavy Truck, RV and Motorcycle Dealers
The Risk Theory Insurance Services Garage Program for Franchised Auto, Heavy Truck, RV and Motorcycle Dealers provides a broad, multiple-line package policy tailored to the unique exposures of dealer operations.
Program Features:
- Garage Liability
- Garagekeepers
- Property - Buildings
- Business Personal Property
- Business Income
- Commercial Auto
- General Liability
- Crime
- Inland Marine
- Discrimination
- Data Compromise
- Equipment Breakdown
- Umbrella
Contact
Brian Atkinson469-310-9142
batkinson@risktheory.com
Habitational Property Program
The Risk Theory Habitational Property Program provides exclusive nationwide comprehensive
insurance coverage for loss challenged multi-family habitational risks. Coverage is written on a non-admitted basis with a carrier rated A- IX (Excellent) by A.M. Best and is available in ALL STATES.
Program Coverages Available:
- Property
- Business Income/Rental Value
- Ordinance or Law: Sections A, B & C
- Incidental Builders Risk Coverage
- Earthquake Sublimits Provided
- Flood Sublimits Provided
- Replacement Cost Coverage is Available for Most Properties
Eligible Risks:
- Garden-style Apartments
- Mid-rise Apartments
- Multiplex Apartments
- Mixed Use/Multifamily with First Floor Retail
- Condominiums
Contact
Brian Atkinson4693109142
batkinson@risktheory.com
Garage Program for Auto Service & Repair Operators
The Risk Theory Auto Service and Repair Garage Program provides a specialized insurance coverage customized for independent and franchised operators.
Program Features:
- Garage Liability
- Garagekeepers
- Property - Buildings
- Business Personal Property
- Business Income
- Commercial Auto
- General Liability
- Crime
- Inland Marine
- EPLI
- Cyber Liability
- Equipment Breakdown
- Excess Liability
Contact
Brian Atkinson4693109142
batkinson@risktheory.com
E&S Brokerage for Construction, Energy, Environmental & Manufacturing
Risk Transfer Partners is a wholesale Casualty broker specializing in placement of a wide range of business within the Energy, Construction, Environmental, & Manufacturing Industries.
- Energy Contractors Insurance for the Oil & Gas industry, Pipe Welders, Chemical Workers, Construction, Off Shore Contractors
o Manufacturers, Dealers and Distributors including products that go down hole or offshore
o Pipelines and pipeline terminals
o Oil and Gas Services Contractors including over the hole contractors
o Consultants
o Pipe Inspectors
o Refining Contractors
o Chemical Blenders
o Welders, Pipe Fitters, Fabrication Contractors
o Underground Utility Contractors
o Solar Power, Contractors and Manufacturers.
o Biofuels
o Wind Energy Contractors and Manufacturers.
o Hydroelectric
- General Contractor Insurance & Contractors Liability Insurance
o Commercial and Residential General Contractors
o Roofing Contractors
o Foundation Contractors
o EIFS Contractors
o Street and Road Contractors
o Crane and Rigging (With and without operator)
o Fire Suppression Contractors
o Framing Contractors
o Electricians
o Plumbers
o HVAC Contractors
o Insulation Contractors
o Staffing Companies
o Commercial and Residential Developers
o Grading and Excavation
o Utility Contractors
o Concrete Contractors
o Scaffolding Contractors
- Environmental Liability Insurance & Pollution Liability
o Asbestos/Lead/Mold Abatement Contractors
o Environmental Consultants/Engineers
o Waste Brokers
o Soil/Groundwater Treatment Contractors
o Disposal Facilities
o Chemical Blenders/Distributors/Manufacturers
o Analytical Laboratories
o Fire/Water Restoration Contractors
o Bioremediation Contractors
- Product Manufacturing Insurance
o Cranes
o Construction Equipment
o Agriculture Equipment
o Concrete Products
o Abrasives
o Adhesives
o Fall Prevention Equipment
o Industrial Detergents
o Electrical Equipment
o Elevators, Escalators, & Lifts
o Exercise & Playground Equipment
o Metal Goods
o Modular Homes
o Sporting Goods
o Ammunition
o Rubber Goods
o Pumps/Gauges
o Pipe & Casing
o Chemicals
o Trailers
o Valves
o Building Supplies
Contact
Brian Atkinson469-310-9142
batkinson@risktheory.com