A Smarter Way to
Access Insurance
Affinity Risk is a commercial insurance brokerage and digital distribution platform built to serve small and medium businesses through trusted partnerships and enterprise platforms. We pair data-driven underwriting, affinity-based distribution, and a hands-on team of experienced insurance operators.
INDEPENDENT BROKERAGE
AMTRUST BACKED
40+
CARRIER RELATIONSHIPS
400+
BUSINESS TYPES COVERED
3,500+
ACTIVE POLICIES
50
STATES COVERED NATIONWIDE
30+
EXPERT TEAM
YEARS OF COMBINED
LEADERSHIP EXPERIENCE
WHAT WE OFFER
Coverage That Fits
Commercial Auto & Fleet
Purpose-built for SMBs and mobility operators. We leverage telematics data and deep fleet underwriting expertise to build auto programs that perform — whether you run one vehicle or an entire fleet.
General Liability
The foundation of any commercial insurance program. We access 40+ carriers to find the right GL fit for your business type — including hard-to-place industries that standard markets routinely decline.
Workers' Compensation
A core specialty for Affinity Risk. We bring embedded workflows, payroll data integration, and deep class code expertise — including workers' comp for towing operators, contractors, and other high-risk segments backed by AmTrust's underwriting strength.
Commercial Property
Protecting the physical assets your business depends on — buildings, equipment, and inventory. We structure property coverage that accounts for replacement cost, business interruption, and the specific exposures of your industry.
![Professional Liability](https://static1.squarespace.com/static/699478b8588c9f359a08aaf7/t/69b2b395b858411720878fe7/1773319076298/AdobeStock_104079414.jpeg")
Business Owners Policy (BOP)
A bundled solution combining general liability and commercial property in a single, simplified policy — ideal for SMBs seeking comprehensive protection with speed and transparency. Accessible digitally through our platform with fast quoting and binding.
Umbrella
An extra layer of liability protection above your existing policies. When a claim exceeds your underlying coverage limits, umbrella steps in — critical for businesses with significant exposure or contractual requirements.
Affinity Risk Tow Program
A comprehensive nationwide insurance and telematics safety program built for towing operators and fleet owners — covering on-hook liability, garage keepers, commercial auto, and workers' comp. Paired with fleet flexibility for operations of any size, specialized claims handling enhanced by telematics and camera data, and data-driven driver coaching that improves safety and retention. Together, these tools reduce loss costs by up to 20% and lower fraud exposure.
Learn About the Tow ProgramTHE PROCESS
How It Works
Tell Us About Your Business
A quick conversation — no forms, no jargon. We learn what you do, how you operate, and what keeps you up at night.
We Shop the Market
With 40+ carrier relationships, we find coverage that actually fits — not whatever's easiest to sell. Independent means no bias.
You Review, We Explain
We walk you through every option in plain English. You decide — we make sure you understand exactly what you're getting.
Binding & Onboarding
Fast, paperless, and handled by our team. We take care of the details so you can get back to running your business.
Ongoing Support
We don't disappear after the sale. Renewals, changes, claims — your advisor is a phone call away, every step of the way.
A Partner, Not a Policy
We grow with you. As your business evolves, your coverage evolves. We review annually and proactively flag gaps before they matter.
WHO WE SERVE
Industries We Cover
We cover 400+ business types. If you don't see yours, reach out — we likely have a solution.
Built for Partners,
Not Just Policyholders
We work with associations, brokers, and affinity groups to deliver group buying power at scale — giving your members access to elite carrier relationships typically reserved for large enterprises.
Become a PartnerGroup Purchasing Programs
For associations and affinity groups looking to deliver real insurance value to their members at scale.
Wholesale Broker Access
Direct access to 40+ specialized carriers — including hard-to-place risks that standard markets routinely decline.
Co-Branded Programs
Custom programs tailored to your member base — your brand in front, our infrastructure and carrier relationships behind it.
Dedicated Account Support
A real team that knows your program — not a call center. Responsive, accountable, and invested in your outcomes.