Why All Risks?

All Risks is the largest independent wholesale insurance broker in the country with $2B in premium and an annual growth rate of 18 percent.



All Risks, Ltd. was formed as an excess and surplus lines facility in 1964. Employing over 875 professionals in 28 locations, we deliver comprehensive commercial and personal insurance solutions exclusively to retail agents and brokers. As brokers or underwriters, we are our agents’ licensed navigators in the specialty insurance market. All Risks provides a full-service platform of brokerage, contract binding and program capability.

Recognized by Business Insurance Journal as the top independent wholesale insurance broker in the country, our growth has surpassed our competitors for over 25 years; the result of an aggressive and entrepreneurial culture focused on providing new opportunities and superior customer service.



All Risks team members have the technical underwriting experience and competitive mindset to go the extra distance with each and every placement. In essence, we Get It Done Right. Now.

An entrepreneurial spirit permeates the air at All Risks. Unite that spirit with our commitment to client satisfaction and you have an unbeatable force. Collectively, we understand the needs of our retail agent clients. When you work with one of us, you work with all of us.

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We offer our clients a broad spectrum of solutions with emphasis on Commercial, Personal Lines, and Specialty Programs. All Risks wholesale insurance brokers assist agents in identifying exposures and securing the most favorable terms and conditions. As an MGA, we can quote, bind, issue, service policies, and handle billing functions for many admitted and non-admitted carriers. We maintain excellent relationships with top excess and surplus carriers, to access the most competitive coverage for hard-to-place risks and to create exclusive programs for underserved niches. Contact the largest independent wholesale insurance broker today to learn more about our solutions.

Commercial >
Personal Lines >
Specialty Programs >

Wholesale Insurance Broker All Risks, Ltd.

Wholesale Insurance Broker, All Risks Limited


Our leadership team is committed to an open, communicative environment with the fewest reporting tiers possible and the continued reinvestment in the firm. We will never be satisfied with the status quo. We grow not for the sake of growth, but instead to build a more stable foundation for our employees, to bring greater services to our clients, and to bring more opportunities to our carrier partners.

Meet the Team >


All Risks has access to hundreds of carriers, many of which are long-standing partnerships. We work with carriers who evolve with the marketplace and consistently broaden their appetite for the new risks of tomorrow.

View some of our carrier partners >

"All Risks' Work Comp department is by far the best and easiest broker we work with. Always the first choice we take our business to!"

Pam Lay
Madison Insurance Group Inc.

"Great job. We love working with All Risks!"

Brad Sloan
Lakeland Insurance Group

"I’ve worked with Todd Ballot for the past 6 years and he has expertly assisted us in writing a variety of accounts. Due to his diligence and those who work with him, we rely exclusively on All Risks for all of our E&S needs. No one else comes close."

Keith Runyon
Runyon Insurance

"After 35 years in the business, I can say, without hesitation, All Risks has the best professionals in the industry!"

Robert Tolsma
Nationwide Insurance

"Just wanted to tell you how amazed I am at All Risks. The way you guys take care of your agents is pretty impressive. WOW, thank you so much!"

Stephanie Teague
Teague & Tarver


All Risks hires people who are new and/or familiar to the Surplus and Specialty Lines business. We are dedicated to investing in your career development and supportive of initiatives that build social bonds with coworkers and the organization. We offer an exciting and challenging environment for industry professionals, former military officers, and recent Risk Management Insurance graduates. Launch your career with the largest independent wholesale insurance broker today.

Start Your Career >


All Risks University provides the tools, training and mentoring required for a successful career in excess and surplus insurance.

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The All Risks Intern program can be the first step in building a successful career. Discover what it takes to be a wholesale producer in the excess and surplus lines market.

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Want to Work at All Risks?

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Delivering Custom E&S solutions and superior customer service.