Run by a licensed claims adjuster who has managed losses from both sides of the table.
America Insures by RISKEN is a North Carolina commercial insurance brokerage specializing in contractors, professional services, light commercial, and specialty cyber and surety. 24 commercial carrier appointments live today. Licensed in NC (resident), PA and VA (non-resident). Every client receives enhanced claims advocacy as a core service -- the reason to choose us is not what happens when you sign, it is what happens when you file.
America Insures by RISKEN is the core commercial brokerage. RISKEN Insurance Advisors provides commercial risk management advisory. aiV-Cube 2.0 is the proprietary AI risk intelligence IP, available for carrier and reinsurer licensing.
Independent commercial insurance brokerage serving NC, PA, and VA. 24 live commercial carrier appointments across BOP, CGL, workers compensation, commercial auto, cyber, professional liability, and surety. Four verticals: contractors and trades, professional services, light commercial, and specialty cyber plus surety. Claims advocacy led by a licensed NC claims adjuster is included for every client.
Explore →Risk management advisory for mid-market and larger commercial clients, insurance carriers, reinsurers, and MGAs. Coverage gap analysis, claims audit, loss forecasting, program structuring, alternative risk transfer, and pre-loss preparedness. Engagements scoped per client; available both stand-alone and as an extension of the brokerage relationship.
Explore →Proprietary, patent-pending 304-factor AI risk scoring framework across 18 categories and three scoring axes. Built for insurance carriers, reinsurers, and MGAs underwriting AI-related exposure. Delivered via the RISE™ API suite. Not a core brokerage product; available for carrier-side licensing and partnership engagements.
Explore →We represent 24 active commercial carriers across standard, specialty, and E&S markets. We shop the market on your behalf and deliver the right coverage at a defensible price. Every account includes enhanced claims advocacy led by a licensed NC claims adjuster -- we read your policy the way a risk professional does, before you need to file.
Most agencies claim they write everything. We do not. We specialize in four verticals where our carrier depth, claims expertise, and placement velocity give clients a measurable advantage.
Most agencies at our tier sell price. We sell what happens when something goes wrong. Every client receives enhanced claims advocacy at no additional cost; larger accounts can engage Tier 3 consulting or Tier 4 CAT-response services on a fee basis.
America Insures by RISKEN™ is a commercial brand of RISKEN Insurance Advisors, Inc. (NPN: 21676872). All policies are placed under the licenses of RISKEN Insurance Advisors, Inc. Licensed as a resident producer in North Carolina and as a non-resident producer in Pennsylvania and Virginia. Trademark pending.
We start every commercial engagement with a coverage review, not a quote request. The goal is to find genuine exposure first -- then place coverage that actually answers it. No hard pitch. No pressure.
RISKEN Insurance Advisors provides commercial risk management advisory for mid-market and larger commercial clients, insurance carriers, reinsurers, and MGAs. Engagements focus on exposure quantification, program structuring, claims audit, and alternative risk transfer. Available as a stand-alone engagement or layered on top of an America Insures brokerage relationship.
When the client is on the other side of the policy: product structuring, underwriting advisory for emerging risk classes including AI-related exposure, parametric trigger design, reinsurance tail risk modeling, and portfolio analytics. These engagements can integrate aiV-Cube 2.0 risk intelligence where relevant.
aiV-Cube™ 2.0 is the proprietary 304-factor AI risk scoring framework developed by RISKEN Insurance Advisors, Inc. Originally built as an industry-standard underwriting model for AI-related exposure. Not a core product of the commercial brokerage; available for licensing to carriers, reinsurers, and MGAs, and for integration engagements delivered through the advisory division.
v2.0 adds 76 new factors and 4 new categories covering Generative AI and Agentic Risk, Third-Party Supply Chain, Operational Resilience, and Actuarial/Insurance-Specific factors. Each factor maps to one of three orthogonal risk axes.
Five submission channels: carrier portal, broker API, batch upload, embedded widget, and email/PDF. Pre-built connectors for Applied Epic, AMS360, Vertafore, Guidewire, and Duck Creek. Comprehensive regulatory crosswalk across 12 frameworks including NAIC AI Bulletin, NIST AI RMF, Colorado AI Act, EU AI Act, and ISO/IEC 42001.
Commercial insurance quotes, risk management advisory engagements, and aiV-Cube 2.0 carrier licensing inquiries. All communications are handled confidentially.