Insurance Built on Clarity, Focus, and Real Protection

We help business owners make informed decisions through clear education, deep industry specialization, and thoughtful risk management.

The principles behind our work.

Three core beliefs that guide every recommendation we make.

Radical Clarity

We explain what matters and break down complex topics, so our clients can make informed decisions about their businesses.

An educated client is a stronger client.

Deep Specialization

Specialization allows us to go deeper and provide better advice on ensuring a lasting future for your business.

Depth beats breadth. Every time.

Risk Before Rate

We design coverage around real-world risk so our clients are protected when it matters most.

Price means nothing without protection.

We don’t try to do everything. Here’s where we go deep.

We focus on a few specializations so we can serve them exceptionally well.

Contractor Insurance

Construction & Trade Specialists

Built for contractors who need coverage that reflects real job-site risk, complex operations, and changing project demands.

Daycare Insurance

Licensed Childcare Providers

Coverage designed for childcare providers navigating safety standards, regulatory requirements, and parent expectations.

Our Approach to Risk

Insurance should be aligned with how your business actually operates.

Insurance isn’t just about meeting requirements. It’s about understanding exposure, aligning protection with operations, and managing risk as your business grows.

Here’s how we approach it:

Clarify Risk

We take time to understand how your business actually operates, including contracts, payroll, assets, and long-term goals, so coverage aligns with real exposure.

Structure Protection

We design your insurance portfolio deliberately, focusing on coverage gaps, exclusions, and sustainability, not just price or minimum limits.

Stay Involved

As your business evolves, we remain engaged. As risk changes and operations change, your insurance strategy should, too.

This is what our clients have to say.

Real feedback from business owners who trust us to protect what they’ve built.

Let's talk about your business and your risk.

No pressure. No sales scripts. Just a thoughtful review of your coverage.

Whether you’re reviewing your current coverage, considering a change, starting a business, or just want a second opinion, we’re here to help you think things through.

Let's talk about your business and your risk.

No pressure. No sales scripts. Just a thoughtful review of your coverage.

Whether you’re reviewing your current coverage, considering a change, starting a business, or just want a second opinion, we’re here to help you think things through.

© 2025 Rivera & Fitch Insurance. All Rights Reserved.

© 2025 Rivera & Fitch Insurance. All Rights Reserved.