Risk Management Insurance

Risk management is the process of spotting the “what-ifs” in your business—then having a plan (and coverage) in place in case they actually happen.

Risk Management Insurance isn’t just one policy. It’s more like a strategy that includes the right combination of insurance coverages tailored to the specific risks your business faces. These can include:

• General Liability – Covers customer injuries or property damage.

• Property Insurance – Protects your location, equipment, and inventory.

• Cyber Liability – Important if you handle customer data or process payments online.

• Workers’ Comp – Required in California if you have employees.

• Professional Liability (E&O) – If you give advice or services, this protects you from lawsuits if something goes wrong.

• Business Interruption – Helps cover lost income if your business can’t operate due to a covered loss.

  Here in L.A., we’ve got earthquakes, wildfires, lawsuits, and a fast-moving business climate. One incident—like a fire, a slip-and-fall, or a hacked email—can cost tens of thousands of dollars, or even shut your business down.

  You might be thinking, “Well, I have insurance already.” That’s great! But is it the right mix of coverage for your specific risks? That’s what risk management is all about.

  It’s like tuning up your car—not just making sure it runs, but making sure it runs safely and reliably.

  At PM Insurance Services, we don’t believe in cookie-cutter policies. We sit down with you (or hop on a call), learn what you do, and then build a protection plan that fits—without overspending.

  We’ll help you answer:

  • What risks are you exposed to?

  • What coverage do you legally need?

  • Where can we save you money without cutting corners?

    Risk management insurance gives you peace of mind so you can focus on running your business—not stressing about what-ifs.

    If you’re unsure whether your current coverage is enough or if you’re just starting out and don’t know where to begin, we’re happy to walk you through it.

    Let’s build something solid together. Call today (818) 365-3139 or email us info@pminsuranceservices.com