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Commercial insurance is a regulated business. This page documents our licensing, how we are paid, our carrier-network partnership, and the boundaries of ARIA, so nothing about how RiskMind operates is left to assumption.
Last updated · May 2026RiskMind Insurance LLC is a licensed commercial property and casualty insurance brokerage. We hold producer licenses in every U.S. state and the District of Columbia where we advertise, solicit, or place coverage.
Our National Producer Number is NPN 20142931. State-specific license numbers are available on request. You can independently verify any producer license through the NAIC producer lookup at naic.org or through your state's Department of Insurance.
RiskMind is a licensed commercial insurance brokerage. We place coverage with insurance carriers; we do not underwrite or issue policies. In marketing copy we describe ourselves as your Risk Strategist or Risk Advisor. For regulatory clarity, brokerage is our legal status.
RiskMind is typically compensated through commission paid by the insurance carrier on policies we place. Commission arrangements are disclosed in writing at binding. Where a fee-based arrangement applies instead of or alongside commission, it is agreed with the client in writing in advance. Carriers cannot pay for placement or recommendation; we compete on appetite-fit and pricing transparency.
RiskMind is an independent member of the Smart Choice Insurance network. Smart Choice provides carrier-access infrastructure that gives RiskMind appetite-matched access to 150+ national, regional, and wholesale carriers.
Smart Choice does not provide insurance advice and does not own the client relationship. RiskMind operates under its own state licenses, owns the client relationship, and is responsible for the advice and the placement.
RiskMind places coverage with both admitted carriers and non-admitted (surplus lines) carriers. Coverage placed with a non-admitted or surplus-lines carrier may not be protected by your state's insurance guaranty fund in the event of carrier insolvency. Where coverage is placed with a non-admitted carrier, this is disclosed at quote and at binding.
RiskMind places commercial property and casualty coverage. We do not write personal lines. Personal auto, homeowners, or individual life insurance are outside our scope.
ARIA, RiskMind's AI Risk Intelligence Advisor, supports the brokerage process by reading policy language, flagging potential coverage gaps, and surfacing benchmarks. ARIA provides analytical insight only. It does not hold an insurance license, does not provide legal or coverage advice, and does not make final coverage recommendations.
A licensed Risk Strategist reviews ARIA's analysis before any binding decision. RiskMind's use of artificial intelligence in insurance workflows is informed by the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers and by applicable state guidance.
Benchmark figures presented by RiskMind are derived from anonymized, aggregated placement data and are intended as directional context, not as a guarantee of pricing or terms. No client-identifying information is shared with other clients or third parties. Clients may opt out of contributing to benchmark datasets.
Some figures shown on the RiskMind website are illustrative. Used to demonstrate how the platform works rather than to report a specific client's data or a guaranteed outcome. Illustrative figures are labeled as such. Indicative pricing is an estimate and is not a bindable quote.
RiskMind maintains errors-and-omissions (professional liability) insurance appropriate to a digital-advice surface area. Coverage limits are available on request.
To verify our licensing, request state license numbers, or raise a concern, contact compliance@riskmindinsurance.com. You also have the right to contact your state's Department of Insurance directly with any question or complaint regarding an insurance producer.