Home2024-06-07T10:30:36-07:00

360 Risk Partners Insurance Solutions.

A Boutique Commercial Insurance Agency Servicing Businesses Nationwide

Tailoring Commercial Insurance with Expert Precision

Click below to start your insurance quote or call us at 888-885-4144 to start the conversation.

As Seen On

Inc 5000
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Inc 5000
$500M+ Premium Placed / $3B+ Premium Underwritten.

Tech-Enabled and Client-Focused.

360 Risk Partners specializes in providing Workers' Compensation insurance and customized alternative programs for a wide range of risks. Our exclusive solutions aim to reduce premiums and improve program outcomes. Additionally, we offer a wide range of commercial Property & Casualty Insurance, ensuring quick policy issuance, comprehensive coverage, affordable premiums, and self-service options through our user-friendly app.

For specific risks, we provide immediate Quote/Bind/Issue coverage, along with flexible options such as pay-as-you-go, premium financing, deductibles, and captive solutions.

At 360 Risk Partners, we conducted extensive research within the insurance market to find innovative and alternative ideas for underwriting and pricing Workers' Compensation Insurance. As a result, we have revolutionized the insurance purchasing process, offering you competitive prices and a comprehensive service model that provides enhanced protection.

Workers’ Compensation

If your business has employees, workers’ compensation insurance is required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job. We understand and place tough risk (High MOD; Non-renewals; Assigned risk; High Hazard) but also offer competitive solutions for great performers.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if your business activities cause damage to someone else’s property. Small businesses may also to wish to consider our BOP (Business Owners Policy) solution.

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

We also have specialty Trucking and Last Mile programs for the transport industry.

Professional Liability Insurance (E&O)

If your business offers professional services professional liability insurance can protect against claims of errors, omissions, or negligence in providing those services.

Commercial Property Insurance

Property insurance covers physical assets such as your building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Business Interruption Insurance

Crime insurance provides coverage for losses resulting from criminal activities such as theft, fraud, and employee dishonesty. It helps protect against financial losses arising from criminal actions within your business.

Our commercial specialties.

Specializing in Tough to Place Risk.

360 Risk Partners specializes in offering specialized insurance options designed to help you effectively manage operational risks. Regardless of whether you are an established company or a new venture, we can assist you in optimizing your performance by minimizing your exposure to risk. Our insurance solutions are comprehensive and customized to meet your specific needs.

Contractors

Staffing & PEOs

Home Healthcare & Assisted Living

Manufacturing

Restaurants & Hotels

1099s & Shift/Gig Workers

Transportation & Trucking

Non-profits & Public Entities

See the difference with 360 Risk Partners.

360° Performance

We strive to be leaders in our region by consistently offering our clients excellent Workers’ Compensation, Property & Casualty insurance products. Our top priority is fulfilling our customers’ needs and delivering on our promises.

24/7 Policy Center.

Manage Your Policies!

Create your user account to manage your policies online. Here’s some of the things you can do!

Frequently Asked Questions.

Questions? Answers.

How do I file a claim?2024-04-30T10:48:55-07:00

If you need to file a claim, make sure to call us first! Our team will help you determine if a claim should be filed and connect you with the insurance carrier to start the claims process. We will even follow up throughout the claim if needed.

Keep in mind, before filing a claim you’ll want to get an estimate of the damages before making permanent repairs. For home claims, consider calling a plumber or roofer to stop any issues that may cause permanent damage, like an active leak.

Call 888-885-4144 for our dedicated Claims Advocacy team to help walk you through this process, or use the online options here to notify us of your claim.

Personal Insurance Claim

Business Insurance Claim

Do I need trailer interchange coverage on my policy?2024-04-30T10:48:55-07:00

This entirely depends on what shipping companies you plan to work with and whether you’ll be pulling your own trailers or the shipping companies. One of my appointed carriers, Great West Casualty, has some really great coverages for trailer interchange agreements.

Under a trailer interchange agreement, the shipping company’s coverage must be equal to your company’s coverage, as Physical Damage coverage will not apply while someone else is using the trailer. Coverage can apply on an excess basis. The coverage chosen should ideally equal the value of all the shipping units in the insured’s possession. The limits should include empty containers currently being held to return later.

Great West has two additional features on this endorsement:

  • Option 1: Trailers can be interchanged based on an oral as well as a written agreement.
  • Option 2: Trailer Interchange coverage can be made to apply on an excess basis as opposed to the more traditional primary basis. There is no difference in premium for this feature.
Is the Stated Amount for commercial vehicles important?2024-04-30T10:48:55-07:00

When you’re coming up on your yearly commercial auto renewal, a good insurance broker is going to ask you to review your Power Units and determine whether the stated value for each power unit is accurate?

In a total loss/wrecked truck situation, the insurance company will look at your stated amount and the actual cash value of your vehicle and pay whichever is less. There is no benefit to your company to list the stated amount of your vehicle at a higher cost than its actually worth.

I recommend being as accurate as possible when putting a stated amount on your power unit. Take the time to check out websites like commercialtrucktrader.com or truckpaper.com to compare similar trucks. Consider the year, mileage, condition, and any upgrades you’ve made to the vehicle that year. Remember, if your stated amount was $50,000 last year, chances are the vehicle has depreciated and is worth a little less the following year. Don’t be afraid to reach out to manufacturers or truck dealerships to get their opinion of what they would value your truck at.

Why are my loss runs for my business important?2024-04-30T10:48:55-07:00

It’s important to the insurance quotes available to you. Underwriters look at your business’s loss history to see if your business is a good fit for their company. They want to see how much of a risk it would be to insure you. Your loss run affects the premium you could end up paying for your insurance.

Remember when dealing with internal claims & accidents within your company, one bad accident here or there doesn’t affect your rate as much as 6-7 small accidents. These underwriters want clarity on your commitment to safety, ensure you’re putting safe drivers behind the wheel, and ultimately a loss runs report of the last 5 years will give them a good gage on whether you’re doing that or not!

Can I get a damage estimate before filing a claim?2024-04-30T10:48:55-07:00

Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible.

How long will my car insurance claim take?2024-04-30T10:48:55-07:00

Every claim is unique, and many factors determine how long it will take.  Giving your claims advocate all the necessary details and documentation will help keep your claim process moving smoothly.

Where do I go for the inspection?2024-04-30T10:48:55-07:00

You can locate the nearest Carco inspection site by clicking here.

Don’t see your question? Contact us.

360 Risk Partners as your industry leader

For the 3rd consecutive year, 360 Risk Partners Insurance Solutions has been named amongst the top 10 Fastest Growing Companies in the Sacramento, CA region. More recently 360 Risk Partners landed on Inc 5000’s list of Nationally Recognized Fastest Growing Companies reaching Top 13 Insurance Companies Nationwide. We maintain our top position in the region through consistently pushing our efforts to deliver the best Workers’ Compensation insurance products possible to our clients. We have also not sacrificed or reneged on our promises to put clients’ needs at the forefront of our Workers’ Compensation business programs. If you are interested in reading more about us select the images to learn more about 360 Risk Partners Insurance Solutions and where we have been recognized.

Sacramento Business Journal Leadership Trust
Inc. 5000 America's Fastest Growing Private Companies
Sacramento Business Journal Fastest Growing Companies 2018
Entrepreneur 360: Best Company
2017 Fastest Growing Companies

Making Business Insurance Easy.

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