Question 1

What does Riza do?

Accepted Answer

Riza is a modern commercial insurance brokerage. We write business P&C coverage across 40+ carrier markets and provide a software-grade platform for managing certificates, renewals, endorsements, and overall coverage health — the way Mercury did for business banking and Ramp did for corporate cards.

Question 2

What kinds of business insurance does Riza write?

Accepted Answer

Commercial P&C across all common business needs: general liability, workers' comp, commercial auto, property and inland marine, tools and equipment, umbrella and excess, cyber, surety bonds, and professional liability. If you don't see your line, ask — we add markets monthly.

Question 3

How fast can I get a certificate of insurance?

Accepted Answer

COIs are a Tier A request — issued within the same business hour, every business day. Most are delivered in minutes. Traditional brokerages often take 24–72 hours, which can delay jobs.

Question 4

What is a Riza Policy Review?

Accepted Answer

Upload your declarations page and Riza surfaces sublimit concerns, exclusions to know about, and coverage gaps comparable books don't have — instantly. A written, broker-validated report follows within 48 hours. Free, no commitment to switch.

Question 5

What is the difference between an insurance broker and an insurance agent?

Accepted Answer

An insurance agent represents one or a few insurance carriers. A broker represents you, the business owner. Riza is a broker — we shop across multiple carriers, wholesalers, and specialty markets to find the right combination of price, coverage, and service for your business.

Question 6

How do I switch insurance brokers without a gap in coverage?

Accepted Answer

Switching brokers does not create a gap in coverage. Your policies stay active — only the broker of record changes. Riza handles the entire transition: carrier communication, policy transfer, certificate setup. Most clients are fully switched in under a week.

Question 7

What is a dec page and why does Riza ask for it?

Accepted Answer

A declarations page (dec page) is the summary page of your insurance policy. It lists your coverage types, limits, deductibles, named insureds, and premium. Upload your dec page to Riza for a free Policy Review — we'll surface gaps within seconds.

Question 8

What happens during an insurance audit and how does Riza help?

Accepted Answer

An insurance audit (most common in workers' comp and general liability) compares estimated payroll and revenue against actual numbers at policy term end. Riza prepares clients proactively — verifying class codes, checking payroll allocations, and ensuring there are no surprise true-up bills.

Question 9

What states is Riza licensed in?

Accepted Answer

Riza Risk, LLC (DBA Riza) is a New York-licensed P&C insurance agency. Agency license #BR-1968687, P&C broker license #1967387, NPN 22165633. Solicitation is currently limited to New York, with additional states being added.

Question 10

What does Riza look for when reviewing my policy?

Accepted Answer

Riza checks for coverage gaps, sublimit concerns, misclassified payroll, problematic exclusions, and endorsements that could quietly void coverage. The findings are delivered in plain English, not insurance jargon.

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