Insurance Concepts & Risk Management, located in Phoenix, AZ is a full service independent insurance agency representing over 40 national/international insurance companies.  Our sales emphasis in on commercial entities across a broad spectrum of sic codes including manufacturing, retail/wholesale, contracting, service and professionals of all types.  In addition to writing all types of insurance, we also are in a position to place bonds for virtually all types of contractors.  We emphasize a full risk management approach to reviewing the business activities and insurance programs of prospective customers and comparing that analysis to their current commercial insurance program.  It is our stated objective to provide alternative risk analysis, coverage, pricing, placement and ongoing service/claim handling on a daily basis to our ultimate customers.  While we have the capacity to service both larger and smaller accounts, our area of emphasis is on accounts with 50-1000 employees in the states of Arizona and Colorado.  Our commercial product portfolio includes markets for general liability, building and contents, business income/extra expense, automobile, workers compensation, umbrella, bonding, installation floaters and various inland marine products.