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Consultative Process for Better Risk Management

Unlike brokers focused only on selling insurance products, Santa Maria’s risk experts are intimately involved with each client to solve complex problems and help them make the most of opportunities. Through our consultative process, each client enjoys immediate access to senior level professionals who will work with them to achieve outstanding results.

For many of our clients, we are the trusted advisors they call for counsel; for others, we serve as their outsourced risk management department, managing day-to-day business risk issues. We are closely involved in each client’s businesses, learning as much as possible about their operations and goals. As such, our custom, expert recommendations enable each client to understand the threats to their business and how best to mitigate them.

Our Proven Risk Management Process

  • Step 1: We conduct an extensive exposure identification survey of your business, to uncover your true risks.

  • Step 2: We analyze programs and develop alternative strategies to help you manage risk and reduce costs.

  • Step 3: We help you understand cost drivers and guide you to the solutions that best fit your needs, including recommendations for Alternative Risk Financing options.

  • Step 4: We implement and manage your chosen solutions, and actively monitor to assure you attain desired outcomes.

  • Step 5: We engage experts in Human Resources, Ergonomics, Property Protection, Finance, Risk Engineering, Communication, and Claims to assist in minimizing risk, reducing cost, and maximizing insurance response.

  • Step 6: We observe your business practices and help you manage your risks on an ongoing basis, searching for specialized programs when your situation or goals call for a new solution.

Benefits of Our Process

  • Customized risk and insurance program for your business
  • Competitive cost structure
  • Experienced, robust advocacy and support if a claim occurs
  • State of the art coverage terms from high quality carriers
  • Regular flow of information about new solutions and important trends in risk management, and how they will impact your business
  • Reduced administrative workloads

Request a Consultation

To discuss your challenges and opportunities with an SMC risk management expert, please contact us online or call us at (925) 956-7600.


Our Location

Santa Maria & Company

1550 Parkside Drive, Suite 200
Walnut Creek, CA 94596
Main office: 925-956-7600
Toll free: 866-921-3347
Fax: 925-956-7601

Our Providers


I found the rare breed of insurance company that fights for you and stands by you. If you are looking for an insurance company that has integrity and amazing customer service, I would hands down, wholeheartedly recommend Santa Maria

Eli I., Remodeling Contractor
As a home builder in Northern California, I have endured numerous complicated issues while trying to protect my business from unforeseen liabilities, satisfying the multiple requirements of individual municipalities, and doing so at a reasonable expense. Santa Maria and Company has been instrumental in these dealings by providing quality advice, creative alternative solutions, and excellent service.

Dennis C., Home Builder
Santa Maria & Company helped guide our business through a difficult time by being proactive, informing us of potential obstacles, and avoiding surprises. Their customer focus has clearly covered the present, the future, and the 'what if' conditions that all businesses must deal with. We feel that our company is very well prepared to handle our complicated risk-related issues because of their support and guidance.

Robert M., Equipment Manufacturing Executive
The company is sincere, honest, always looking out for our best interests. They continually work to understand our business, to develop strategies to mitigate our exposure. That gives us a real competitive advantage.

Shaun M., Food Industry Risk Manager
Santa Maria & Company has helped us solve some tough insurance challenges, but they continue to identify emerging risks, such as cybercrime, and help us protect against them. Their customer service is fantastic.

Jeff B., Medical Industry CFO
This company knows the local insurance market better than the larger brokers ever could. They are true experts who take the time to explain all of our coverage options and help us make the right decisions. It's almost like having an insurance professional on staff.

Matt A., Food Industry Executive
It is a real advantage to work with risk insurance experts that have underwriting experience. Since we have been working with Santa Maria, we've grown a great deal and other companies are always trying to win our business. Santa Maria has the expertise in insurance and high tech industry risks that we need and their personal service is excellent.

Cynthia G., Technology Industry Executive