As an independent agency, we are not tied to any single insurance carrier. This means we work for you, not an insurance company. We have the freedom to shop your coverage across multiple A-rated carriers to find the best combination of coverage, price, and service tailored specifically to your unique needs.
Absolutely. This is one of our core specialties. We are experts in navigating the California FAIR Plan and layering it with complementary Difference in Conditions (DIC) policies to create a comprehensive solution. We also provide expert guidance on wildfire mitigation to protect your property and, in some cases, improve your insurability.
High-net-worth insurance requires a specialized approach to protect valuable assets like art, collections, and secondary homes. Our founder, Timothy Ross, has direct experience crafting these sophisticated policies. The difference lies in higher coverage limits, specialized valuations, and risk management services that go far beyond a standard policy, ensuring your entire legacy is preserved.
Our principal, Timothy Ross, began his career as a Claims Professional. This insider experience is your significant advantage. We understand how policies are interpreted and enforced by carriers, so we structure your coverage from the start to be unambiguous and resilient. When a claim occurs, we act as your expert advocate to ensure a fair and efficient process.
We move beyond simply selling a policy. We become your strategic partner in risk management. We conduct a thorough analysis of your business’s unique exposures—from liability and property to professional and cyber risks—and design a program that not only transfers risk but also includes proactive strategies to help prevent losses before they happen.
You get direct access to seasoned expertise and decision-making. When you work with Ravelin, you work directly with Timothy Ross and his dedicated team. This means you receive highly personalized service, consistent communication, and a partner who is deeply invested in your long-term security and satisfaction.
Ravelin Risk & Insurance is a multi-state agency. We are licensed to serve clients across multiple states, providing consistent, expert service whether you have a primary residence, vacation home, or business operations elsewhere. If we are not licensed in your state, it’s a quick and simple process to get licensed and help you out.
