Riza is an insurance broker.
Riza Risk, LLC is a commercial property and casualty insurance brokerage, not an insurance carrier. Insurance products are issued by third-party insurers and are subject to their underwriting, eligibility, pricing, forms, and terms.
We may receive commissions from insurers and may be eligible for contingent compensation. Additional information is available on request.
A form does not create a brokerage relationship.
Using the site, sending information, or speaking with Riza does not by itself appoint Riza as your broker or create a duty to obtain, monitor, renew, or change coverage. Any brokerage relationship and scope of service must be accepted by Riza and may be described in separate written communications or agreements.
No coverage is bound here.
Nothing on this website binds, changes, renews, cancels, or confirms insurance coverage. Coverage is effective only when confirmed in writing by an authorized insurer or licensed representative and all stated conditions are satisfied.
Examples, prices, limits, comparisons, and timelines shown on the site are illustrative. A request does not guarantee a quote, a particular price, or eligibility.
Your request and information
You agree to provide information that is accurate and complete to the best of your knowledge and to update material facts that change. You also confirm that you are authorized to submit information and documents for the business and other people identified in them. Insurers may rely on application answers and representations when evaluating coverage.
Riza accepts initial requests from businesses nationwide so we can understand demand and confirm availability. That does not mean Riza is licensed, appointed, or currently operating in every state. If we cannot serve the state you identify, we will tell you after collecting your contact information and will not submit the request to carriers.
Do not use the website to report a claim, request emergency assistance, or make a time-sensitive policy change. Contact the insurer or your licensed broker directly.
Educational content, not advice
The site provides general business-insurance information. It is not legal, tax, accounting, safety, or financial advice and does not replace a review of the actual policy, endorsements, contracts, or applicable law.
Riza Concierge is an AI guide, not a licensed insurance professional. AI responses may be incomplete or wrong and cannot determine coverage, confirm eligibility, promise a quote, or bind, change, renew, or cancel a policy. Contact a licensed person for material insurance decisions.
Riza owns or licenses the site content, design, trademarks, and software. You may use the site for your own lawful business purposes, but may not copy, scrape, resell, interfere with, or misuse it.
Electronic communications
By submitting a request, you agree that we may contact you by email or phone about it. If you separately opt into text messages, message and data rates may apply and you may reply STOP to opt out.
Riza may record or transcribe calls for documentation, service, quality review, training, fraud prevention, and compliance. We will tell you at the beginning of the call and record only with consent.
Electronic messages can be delayed, intercepted, or misdirected. You are responsible for keeping your contact details current and for reviewing messages and documents we send. Do not assume a time-sensitive instruction was received until Riza confirms it.
Third-party services and links
The site may use or link to third-party services. Their availability, security, and content are controlled by those providers, not Riza. A link does not mean Riza endorses every statement or product on the linked site.
Disclaimers and limits
The site is provided on an “as available” basis. To the extent permitted by law, Riza disclaims warranties that the site will always be uninterrupted, error-free, or suitable for a particular insurance need.
To the extent permitted by law, Riza will not be liable for indirect, incidental, special, consequential, or punitive damages arising from website use. Nothing here limits liability that cannot legally be limited or changes any duty created by a separate written brokerage agreement.
General terms
These terms are governed by New York law, without regard to conflict-of-law rules. If one provision is unenforceable, the remaining provisions continue to apply. These terms and any separate written agreement between you and Riza contain the applicable understanding for website use.
We may update these terms. Continued use after an update means the revised terms apply to later use.
Questions can be sent to hello@rizarisk.com or by calling +1 802-GOT-RIZA. See our Privacy Notice for how we handle information.