Business Details
16 Years
experience
Emergency
services
Your Trusted Partner for Insurance & Risk Management
Metropolitan Risk was founded in 2010 to address systemic flaws in how small-to-medium businesses purchase insurance. We operate as both insurance broker and risk manager, offering integrated tools and expert staff to help clients identify risk, improve safety, and reduce losses. Our proprietary OODA Risk System consolidates claims, risk, and insurance data to provide actionable insights. With over a decade of experience, we specialize in commercial lines and deliver radical transparency, prioritizing client needs through innovative risk management strategies that transform insurance into a competitive advantage. Services
Workers Compensation Insurance
Commercial General Liability
Cyber Liability Coverage
Risk Assessments
Claims Management
Subcontractor Qualification
Policy Tracking System
Incident Reporting
Loss Control Services
Insurance Program Design
Details
- Year established: 2010
Highlights and features
- We act as both insurance broker and risk manager for seamless service.
- Our proprietary OODA Risk System provides real-time data analytics.
- Clients achieve measurable ROI through proven risk reduction strategies.
- 24/7 claims hotline with live advocates ensures immediate response.
- Mobile app enables instant incident reporting and documentation.
What people say
Significant cost savings
Exceeded expectations
Responsive claims handling
Transformative solutions
Measurable ROI
Services
Workers Compensation Insurance
Our Comp Care program reduces workers' compensation costs through proactive claims management and safety optimization. We implement systems that track incidents in real time, coordinate medical care, and analyze risk patterns. Clients have achieved experience mod reductions from 1.63 to 0.53 within three years through our specialized approach.
Risk Assessments
The Risk Redi Review evaluates organizational strengths and weaknesses in risk retention versus transfer strategies. We analyze industry-specific exposures to create tailored insurance programs that align with business goals and financial capacity while preventing net income loss.
Claims Management
Our team actively manages claims to prevent artificial reserve inflation by insurance carriers. We implement action plans for work comp cases, coordinate defense strategies for liability claims, and pursue subrogation opportunities to minimize financial impact on client businesses.
Subcontractor Qualification
The Risk Rocket system verifies subcontractor insurance coverage and qualifications before engagement. This transfers liability risk away from client businesses while ensuring compliance with contractual requirements and industry safety standards for construction and service providers.
Insurance Program Design
We analyze existing insurance structures to identify gaps and inefficiencies, then create standardized RFP processes for transparent program marketing. Our approach optimizes retention levels and deductible structures to achieve over 40% premium savings while maintaining appropriate coverage.
Questions
How does Metropolitan Risk differ from traditional insurance brokers?
We combine brokerage services with active risk management, using proprietary technology to reduce total cost of risk rather than just shopping for lower premiums.
What industries do you specialize in?
We work with small-to-medium businesses across construction, healthcare, real estate, and other sectors requiring specialized risk management solutions.
How do you help reduce insurance costs?
By proactively managing claims, improving safety protocols, and optimizing insurance program design to lower both immediate and long-term risk financing costs.
Do you offer 24/7 claims support?
Yes, our 24/7 claims hotline provides immediate assistance with live advocates who document incidents and coordinate rapid response.
What technology platforms do you provide?
Our OODA Risk System offers policy tracking, incident reporting, and data analytics through a mobile app and online portal.
