about us
RIS was started in 1990 by Ashok Rijhwani. It has grown over the years from a small Property & Casualty agency to a brokerage servicing thousands of clients in California.
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RIJHWANI INSURANCE SERVICES
The backbone of our agency has been client referrals and we will continue to uphold that trust our clients have placed in us. For all the agents and staff members at RIS, service has always been our top priority. Our expertise in the auto, homeowners, commercial, workers compensation, life and health is second to none.
As an independent agency we have the power to shop multiple preferred carriers to get you the best coverage at the lowest possible premiums. We have helped numerous people save money on their insurance while making sure they are properly covered.
With over 30 Years of industry experience, we are well trained and knowledgeable in the complexities of the insurance market. We offer guidance and help you make the right decisions for yourself, your family, or your business.
Our goal is to educate our customer on their exposures and their coverage options. Transparency in coverage and policy options is what sets us apart as we believe in fully educating our customers to ensure their needs are met completely.
Insurance Products and Services
Our goal is to protect you and your loved ones from the risks that you face in securing all you have built. We offer a wide variety
of products including auto, home, business, work comp, life, and health insurance so we can confidentiality
take care of all your insurance needs.
Business Insurance
- Commercial property insurance
- Commercial general liability
- Business owners policy (BOP)
- Inland marine insurance
- Commercial auto insurance
- Commercial umbrella insurance
- Professional liability
- Workers compensation
- Crime insurance
Workers Compensation
Workers Compensation can cover financial obligations such as:
- An injured employee’s medical expenses/treatment
- The replacement of lost wages from injury time off
Employment Practices Liability Insurance (EPLI)
EPLI is designed to protect businesses in the event of employment-related claims. Insured events include:
- Wage and Hourly Coverage
- Alleged discrimination
- Wrongful termination or demotion
- Sexual harassment
- Retaliation
- Defamation
- Failure to Promote
- Invasion of Privacy
Home
- Course of Construction (COC)
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- In-Home Business Insurance
Auto
- Liability Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured & Underinsured Motorist Coverage
- Roadside Assistance
- Specialty Auto Insurance
- 24-Hour Customer Service
- Towing
- Rental Reimbursement
- Medical Payments Coverage
Condo
Condo insurance (HO6 policy) provides condo unit owners coverage for what their association does not. This includes your personal possessions, repairs to the inside of your unit and liability claims brought against you . This policy also helps cover costs if the unit is uninhabitable. A condominium insurance policy is often called walls-in coverage, as it protects the individual unit, whereas your condo association's master policy generally covers all common areas.
Landlord
Landlord insurance provides coverage for the property itself and the property owners when renting out homes, apartments, or condos. As a landlord, you need protection from losses that may result from damages to a rental property due to fire, wind, water, tenant vandalism, break-in, severe weather and more. You will also need protection against liability claims that may arise against you as the property owner. This policy can also help you cover loss of income in the event that your property become uninhabitable due to a loss.
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