The role of risk management continues to develop and expand, embracing complex, demanding and at times unexpected exposures. Risk Management now includes new categories of liability, new approaches to mitigate risk, the managed care imperative, regulatory changes and many other developments have an impact on any business. In an environment where change is a constant, it is important to have professionals who will invest the time and effort it takes to understand each client’s business and how best to manage total cost of risk. We are independent insurance brokers and risk managers participating in the insurance transaction as trusted advisors. We represent you, the insured, in the insurance marketplace, assembling and understanding the information and specifications used to market and ultimately place insurance programs. We negotiate policy terms, underwriting conditions and premium pricing and are responsible for delivering, explaining and analyzing insurance company quotations and proposals to you. We will design the right program that meets your needs. To be most effective, the process must be highly individualized and mutually transparent. Our risk management products and services include property and casualty, group benefits, life and health. We distinguish ourselves in the industry through our focus on providing the best possible service for our clients and promoting positive relationships with the insurance companies we represent. It is because of this that we can provide meaningful solutions and benefits beyond the offering of most insurance brokers. intouch Insurance Services California DOI License # 0H55923