Commercial insurance is high-stakes and highly regulated. We document our licensing, our carrier-network relationship, ARIA's explicit boundaries, and our security posture so there is no room for assumption. If anything below is unclear, ask us directly.
RiskMind Insurance LLC holds commercial property and casualty licenses in every U.S. state and the District of Columbia. National Producer Numbers and state-specific license numbers are available on request and via each state's Department of Insurance lookup. Verify with the NAIC producer lookup at naic.org.
RiskMind places coverage through the Smart Choice Insurance network. One of the largest commercial and business insurance platforms in the country. We are an independent licensed agency operating under our own state licenses. Smart Choice provides carrier-access infrastructure. RiskMind owns the client relationship and the advice.
Carrier partners through Smart Choice
State licenses held directly by RiskMind
Submission for the full addressable market
ARIA is RiskMind's AI Risk Intelligence Advisor. It is a tool. It does not hold an insurance license. Every analytical output is verifiable. Every recommendation is reviewed by a licensed Risk Strategist before any decision is acted on.
ARIA disclaimer. ARIA provides analytical insights, not legal or coverage advice. Final recommendations are made by licensed Risk Strategists. RiskMind's use of artificial intelligence in insurance workflows is informed by the NAIC Model Bulletin on AI.
Every policy you upload, every benchmark we share, every ARIA inference. Handled under a documented security posture that satisfies CFO, GC, and procurement diligence.
All data encrypted at rest (AES-256) and in transit (TLS 1.3). Document storage uses pre-signed URLs with short expiration.
Role-based access enforced server-side. MFA required for portal and admin users. Audit log on every read and write of regulated data.
Documented DPAs with every subprocessor. Anthropic, Postgres host, document storage, email vendor, monitoring. Inventory on request.
ARIA inference runs on the Anthropic API with zero data retention enabled. No customer data is used to train upstream models.
Documented runbook and notification SLAs for regulated incidents. Tabletop exercise schedule maintained quarterly.
SOC 2 Type I audit in progress. WCAG 2.2 AA accessibility verification on every shipped surface.
The questions a CFO, General Counsel, or procurement team asks before signing. Answered here in writing. If your question isn't covered, email Ryan directly. The link lives in every page footer.
ARIA is an AI Risk Intelligence Advisor specialized exclusively in commercial property & casualty insurance. ARIA reads every coverage of your policies, extracts the structural terms, quotes exclusion language verbatim with page-level citations, and flags coverage gaps. ARIA does not bind coverage and does not give legal advice.
No. ARIA never binds coverage alone. Every placement is personally reviewed and signed by a licensed Risk Strategist, Ryan Gaston, before any carrier is engaged. ARIA does the analysis; a human signs the bind.
Ryan Gaston is the founder and Principal Risk Strategist at RiskMind. He is a licensed commercial P&C producer (NPN 20142931) with active licenses in all 50 states + DC. He personally reviews ARIA's findings and signs every commercial insurance placement RiskMind binds.
Nothing. The Snapshot is free, runs in 60 seconds, and does not require an email address until you ask for one. You receive a coverage adequacy score, the peer premium range for companies your size, and the three structural gaps ARIA most often finds at your scale.
Yes. RiskMind Insurance LLC holds commercial property and casualty producer licenses in every U.S. state and the District of Columbia. National Producer Numbers and state-specific license numbers are available on request and verifiable via the NAIC producer lookup at naic.org.
Smart Choice Insurance is one of the largest commercial and business insurance platforms in the country. RiskMind is an independent member of the Smart Choice network: we operate under our own state licenses, Smart Choice provides carrier-access infrastructure, and we maintain the client relationship and the advice. This is how ARIA reaches 150+ carriers from a single submission.
No. We will not sell, share, or use your policy data outside this account, and we will not use your data to train upstream AI models. ARIA inference runs on the Anthropic API with zero data retention enabled. All data is encrypted at rest (AES-256) and in transit (TLS 1.3). Your data exports on demand.
Run the Snapshot anyway. ARIA reads your current policies regardless of who placed them, flags gaps in plain English with page-level citations, and benchmarks your premiums against companies your size. You decide whether to bring the findings to your current advisor or have RiskMind shop your next renewal. No commitment until you say so.
Don't see your question? Email Ryan directly. Every answer goes on the record, on this page, with your permission.
On one page. In plain English. With the names of the regulators behind each coverage. If your GC has a question we haven't answered, the answer is one email away.
RiskMind is a licensed insurance agency. We place coverage with admitted and non-admitted carriers and earn commission from the carrier, disclosed in writing at binding.
RiskMind is an independent member of the Smart Choice Insurance network. Smart Choice does not provide insurance advice; it provides carrier-access infrastructure. RiskMind owns the client relationship and the advice.
Coverage placed with surplus-lines or non-admitted carriers may not be backed by your state guaranty fund. Disclosed at quote and at binding.
Benchmarks are derived from anonymized placement data. No client identifying information is shared with other clients or third parties. Opt-out available.
RiskMind maintains errors-and-omissions insurance appropriate to a digital-advice surface area. Limits available on request.
Our use of ARIA is informed by the NAIC Model Bulletin on AI. Licensed Risk Strategist review precedes every binding decision.
Fifty states. 150+ carriers. SOC 2 in progress. TLS 1.3 in transit. Zero customer data used to train. Pick how you start.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page