Business Details
Trusted Insurance Risk Solutions in Concord, CA
IRIS Risk Management maintains a visionary perspective while creating and delivering risk solutions that maximize client success. As a Managing General Agent and Underwriter, we specialize in alternative risk placements with robust carrier relationships. Our programs offer sustainable, mutually beneficial long-term partnerships across property, liability, and specialized coverage areas. We provide tailored insurance solutions for commercial properties, legal professionals, hospitality businesses, and student housing. Our team combines deep industry expertise with innovative underwriting approaches to address evolving market needs.With A-rated carrier partnerships and competitive pricing structures, we deliver comprehensive protection for diverse client portfolios. Our commitment to client-centric service includes free extended reporting provisions and flexible coverage options. We operate nationwide with specific program restrictions for high-risk regions. Our technical team implements advanced risk assessment methodologies to ensure optimal policy customization. Through continuous market analysis, we adapt our offerings to maintain relevance in dynamic insurance landscapes.
Services
Property Insurance
Hotel Coverage
Legal Liability
Earthquake Protection
Commercial Programs
Highlights and features
- We operate as both MGA and MGU with established carrier relationships
- Our programs offer up to 50% savings through strategic partnerships
- Tailored coverage options for unique commercial risk profiles
- We provide free extended reporting provisions for policy continuity
- Technical team implements advanced risk assessment methodologies
Services
Property Insurance
Our property insurance programs provide comprehensive coverage for commercial buildings with up to $10mm per building limits. We specialize in garden-style apartments, high-rise buildings, and mixed-use properties meeting specific construction standards. Coverage includes protection against fire, natural disasters, and business interruption losses.
Hotel Coverage
Tailored insurance solutions for hotels and motels up to five stories with competitive pricing and up to $25M building value coverage. Our policies include business income protection and flexible terms for properties across the continental United States, excluding high-risk coastal regions.
Legal Liability
Professional liability coverage for law firms from solo practitioners to mid-sized operations. We offer customizable policies with minimum limits of $100,000/$300,000 and maximum coverage up to $10M per claim. Our program includes free extended reporting provisions and flexible attorney addition policies.
Earthquake Protection
Specialized earthquake coverage solutions with competitive pricing through our network of A-rated carriers. Policies include business income protection and are available in select regions with appropriate risk mitigation measures in place.
Commercial Programs
Customized insurance packages for commercial operations including office buildings, retail spaces, and warehouses. Our programs feature flexible underwriting criteria, competitive pricing structures, and comprehensive risk management support tailored to specific industry requirements.
People
Randall O. Perry
CEO / Managing Director
Leads strategic operations and underwriting decisions with extensive experience in alternative risk management solutions and commercial insurance program development.
Edward Y. Derentz
COO / Managing Director
Manages day-to-day operations and carrier relationships, bringing deep expertise in insurance program administration and risk placement strategies.
Paul Baldikoski
EVP - LPL, Tech Team Leader
Oversees technical operations and risk assessment methodologies with specialized knowledge in legal professional liability programs and technology-driven underwriting solutions.
Questions
What types of insurance programs does IRIS offer?
IRIS provides property insurance, hotel/motel coverage, lawyer's professional liability, earthquake protection, and specialized commercial programs tailored to unique risk profiles.
Are IRIS insurance programs available nationwide?
Our programs operate in Continental USA with specific restrictions: Hotel/Motel coverage excludes Florida and California, while property programs have state-specific construction requirements.
What risk management services accompany IRIS policies?
We offer technical risk assessment tools, free extended reporting provisions, and customized coverage options to help clients manage evolving commercial risks effectively.
How does IRIS support broker partners?
We provide brokers with competitive pricing structures, flexible underwriting options, and dedicated technical support for complex risk placement challenges.
What are the minimum requirements for property coverage?
Property programs require ISO-1 construction standards, sprinkler systems for high-rise buildings, and specific building age requirements for student housing classifications.
