We partner with commercial clients to develop strategies to manage enterprise and business risks to levels consistent with management's tolerances, and we provide the service and expertise to implement and manage risk mitigation programs. The end result is reducing our clients' total cost of risk.  We partner with consulting clients to maximize organizational effectiveness and to improve business results.

Our business philosophy is quite simple: always operate with the utmost integrity in all of our dealings; put our client's interests before our own; and constantly strive to exceed the expectations of those who have put their trust and faith in us.


Our approach is hands-on and proactive.  We focus all of our attention on meeting client needs and guiding our clients through the maze of strategic, business, operational and hazard risks.

OUr benefits to you

Flexibility:            Customized programs utilizing in-house and external resources

Expertise:            Creative and effective risk management and business solutions

Service:                High quality, hands-on service 

Depth:                   An experienced service team to support you when you need it

Effectiveness:     Understanding and addressing client needs utilizing appropriate strategies,

                               tools, and resources

Results:                Increased organizational effectiveness, reduced risk costs and improved

                               business results                                  


 Insurance, Risk Management & Consulting

​Our value proposition

OUR Business Philosophy

We are an independent insurance agency, risk management consulting, and management consulting firm providing a wide range of services to commercial and insurance industry clients.  We provide commercial clients with strategies to address complex insurance and risk management issues and the tools to reduce their total cost of risk.  In addition to our insurance brokerage and risk management consulting practices, we provide specialized management consulting services to insurance companies, insurance agents, and insurance brokers. 


OUr Business Approach

Smullen & Associates, LLC