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What We do

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We Protect Your Future, Today.

Confluence offers high-impact, high-value risk management and insurance brokerage services for companies and non-profit organizations in a wide variety of industries. We also help prominent individuals, families and family offices navigate their personal insurance and risk management needs.

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Risk Consulting

Risk Consulting

Managing risk and potential losses is an ongoing challenge that's fundamental to the success of your business. Our senior-level advisors will help you identify, evaluate and minimize your financial exposure in all areas. We pride ourselves on a long history of anticipating and managing risk - not merely reacting to it - all while controlling insurance costs for our clients.

Risk Consulting
  • Strategic Consulting

    High-level consulting with owners, boards and senior-level executives on risk and vulnerabilities in your business across twelve core areas.

  • Risk Discovery

    Utilizing proprietary tools to help you discover and uncover vulnerabilities across your entire organization's internal and external enterprise.

  • Risk Diagnosis

    Leveraging various assessment and measurement tools to quantify and qualify your organization's areas of vulnerability.

  • Risk Design

    Brainstorming the best potential methods of managing and mitigating risk across 5 broad conceptual areas.

  • Risk Deploy

    Implementing the chosen techniques to address the highest priority risks with the greatest ROI.

  • Risk Determine

    Building in multiple feedback loops and tests to evaluate the level of success of the chosen techniques.

  • Confluence Academy

    A virtual library of risk management whitepapers, articles and best practices around topics of concern to our clients

Commercial Insurance

Commercial Insurance

​Our goal is to protect your business from events that could have a significant or catatrophic financial impact on your company. We'll work with you to understand your risk exposures and develop a comprehensive solution that allows your business to be resilient in the face of risk and change.​​ We draw on the best regional, national and specialty insurance carriers to source the right coverage at the right budget for your company's needs.  Our team has decades of insurance experience working with thousands of companies across a wide-variety of industries.  Each Confluence colleague is personally invested in your success.

Commercial Insurance
  • Local to International Coverage

    We draw on the best regional, national and specialty insurance products available so that we can provide exactly the right coverage to meet your needs.​

  • Risk Management Mindset

    Risk management is more than insurance sales. Even if we don't do a full risk management project, we'll ask thoughtful questions, listen carefully and offer you ideas, not just insurance.

  • Industries We Serve

    We offer insurance solutions and specialized expertise within a broad range of industries.

  • Professional Liability and General Liability

    General business liability as well as coverage for professional on their professional liability coverage.

  • Errors & Omissions Liability

    Liability coverage to cover a wide range of companies to cover the professional liability pertaining to their work product or service.

  • Directors & Officers Liability

    Coverage for directors, officers and executives of public, private and non-profit boards.

  • Employment Practices Liability

    Coverage for claims resulting from a company's employment practices around terminations, harassment and supervision of employees.

  • Cyber Liability and Network Security

    A diverse and broadening area of liabilty around theft of protected information from data breaches, regulatory fines from HIPAA and extortion.

  • Product Liability

    Coverage for liability stemming from the use and performance of your company's products.

  • Commercial Property

    A broad array of various coverage for buildings, tangible office equipment, inventory and losses due to business interruption.

  • Commercial Auto and Fleet Programs

    Coverage for company vehicles regardless of the size of the fleet along with liability as a result of renting vehicles and employees using their personal vehicles for business use.

  • Workers Compensation

    Statutory coverage in all required states and internationally for the bodily injury an employee incurs as a result of injury at work.

  • Crime

    Coverage for losses from theft by employees of your company or even your client's money and securities.

  • Surety Bonding

    Access to hundreds of different types of bonding required for ERISA compliance, construction projects and various state/federal requirements.

  • Environmental & Pollution Liability

    A broad variety of coverage for liability arising from restoration contractors, lead abatement, various trade contractors, building owners and land developers.

  • Political Risk

    Coverage for exposure due to political conditions in other areas of the world impacting your company.

  • Kidnap & Ransom

    Coverage to protect companyies for kidnap, extortion, wrongful detention and hijacking of employees around the world.

  • Confluence Academy

    A growing, virtual library of risk management and insurance-related whitepapers, articles and best practices around topics of interest to companies.

Specialty Insurance

Specialty Insurance

We do not take a one-size fits all approach.  Many insurance companies and agencies can only handle very narrow areas of insurance and only offer off-the-shelf insurance products.  Or, they offer a wide variety of products to multiple industries but they only work with large clients who spend hundreds of thousands of dollars each year on insurance.  Confluence works with dozens of insurance companies catering to a wide variety of industries.  We currently offer over 700+ insurance products to help start-ups to large private companies and non-profits on virtually any area of insurance.

Please click on the following link for a searchable database of coverage and product areas with presentations from our various carrier partners:

Coverage and Product Areas

Specialty Insurance
Private Client Insurance

Private Client Insurance

To meet life's ever-changing circumstances, we partner closely with you to ensure a level of protection that addresses your ongoing needs and provides lasting peace of mind. We treat you and your family like our own.

Private Client Insurance
  • Personal Risk Management

    Utilizing and implementing many of the tools we use to help businesses manage risk, we've created proprietary tools to help high net worth families do the same.

  • Family Offices

    Unique and comprehensive insurance program design for family offices.

  • High Value Home Insurance

    Comprehensive insurance options for high valued homes, secondary and vacation properties and investment and rental real estate.

  • Private Fleet and Collector Car Insurance

    Extensive insurance coverage for family vehicles, antique and collector cars.

  • Jewelry, Art & Collections

    Expansive coverage for all types of valuables including jewelry, fine art, collectibles, stamps, coins and wine.

  • Leisure Vehicles and Toys

    Far reaching coverage for motorcyles, RVs, ATVs, golf carts and other toys.

  • Umbrella Insurance

    Excess liability coverage to give you a blanket of protection over existing liability policies.

  • Farm & Ranch Estate insurance

    Broad coverage for working and leased farm and ranches.

  • Flood & Earthquake Insurance

    Customizable coverage to address local exposures due to flood and earthquake events which are not covered by standard home policies.

  • Yacht & Watercraft Insurance

    Wide variety of coverage options for luxury yachts, sailboats and powerboats of all sizes.

  • Household Employees

    Insurance protection for work-related injuries to domestic employees.

  • Cyber Liability and Identity Theft

    Burgeoning coverage for theft to you and your family's identity and confidential data from cyber-related theft and extortion.

  • Directors & Officers Liability

    Extensive coverage for your personal liability assumed from serving on non-profit boards.

  • Confluence Academy

    A growing, virtual library of risk management and insurance-related whitepapers, articles and best practices around topics of interest to high net worth individuals and families.

We would love to hear how we can help.

Our goal is to help you make the best insurance and risk management decisions possible. We genuinely care about our clients' future, and we pride ourselves on providing seasoned, proactive advice.

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