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About us and what we do

We are an independently owned and operated agency located in San Francisco, California with remote sales offices in the East and South Bay Areas. We deliver comprehensive insurance and risk management solutions to individuals, families, and businesses and serve four western states besides California including Arizona, Oregon, Nevada, and Texas. We not only believe in helping other people stay secure by helping to manage their risks but we want to give people great value when they purchase insurance products. A significant part of the service we offer is in educating our clients so they truly understand their insurance needs and how best to mitigate their risk as much as possible.


We are also licensed in real estate sales and our CEO is a notary public. We generally provide real estate and notary services as an added service to our insurance clients if requested. We also consult in and assist with Medicare supplements and Part D coverage for seniors and provide all types of medical plan coverage and benefits needed by individuals, families and businesses including dental, vision, long term disability and life insurance.

Due to our longstanding and extensive relationships with dozens of preferred and non-standard surplus lines insurance carriers, we’re able to insure all kinds of standard business operations as well as hard-to-place businesses and unusual risks that many less experienced agencies won’t deal with. We have a large market in professional liability that serves all manner of consulting, design, and tech industry businesses including coverage for difficult patent infringement situations. We have a process for guiding new business owners in lease and contract compliance and we help assess these owners’ operations thoroughly in order to meet contractual insurance requirements. As a result we deliver some of the best commercial coverage available anywhere.

As far as we know, we are the only agency to be a four-time winner of the U.S. Commerce Association’s ‘Best of Local Business’ award. This is a mark of our outstanding marketing success and our perpetuation of a positive image for small and mid-sized businesses. Our sweet spot includes helping new ventures and companies with up to 1,000 employees procure and maintain the insurance coverages they need.

What We Offer

Using a variety of preferred and non-standard, surplus lines carriers we provide a wide range of coverage and policy options and offer insurance programs that meet virtually any personal and/or commercial need. From home, auto, and life to a business program with numerous requirements, we provide clients the options they need to stay secure at competitive rates. Within our business segment are special programs for companies in many specific industries. A small sample of some of the companies that are served by these programs includes food trucks and nonprofits. Our cyber liability program is especially important to tech firms, but more and more it applies to any business doing commerce on the web or maintaining customer databases on their own computer systems. Our medical health program is extensive, and through it we offer individual and group policy options that span a wide range of medical care types and services.

When it comes to insuring just about any risk that you can imagine you can count on Riskguard Insurance Solutions to find a solution and provide great value through a world of insurance products that we can make available to you

Community Involvement and How We do Business

We are passionate about helping people live healthy, secure, and happy lives, and that’s one reason why we enjoy being in the insurance industry.  In addition to providing clients with comprehensive insurance products and personalized services, we encourage people to live healthily and to become and stay actively involved in their local community.


Our president, Irene Herman, leads by example, having been the national insurance chair of United States Track & Field. and as current Vice President of the Pacific Association of USA Track and Field. She has also served several terms as President of the PA-USATF.  In this role Irene was insurance liaison responsible for putting into place an insurance policy to cover volunteer, non-sanctioned officials throughout the USA. She has also been an insurance consultant to youth groups and through the Pacific Association of the USATF (PAUSATF). has provided special information on safety and risk management to these groups. She is also a competitive runner having completed 21 marathons over the last 25 years. When she’s not working or running, Irene is the instructor of a weekly aqua-fitness class in the pool at the San Francisco Jewish Community Center (JCC)where she encourages club members to live healthy active lives. 

As part of our community involvement Riskguard Insurance makes an annual donation to the Bay Area Breast Cancer Society, which helps raise funds for breast cancer research and helps raise awareness of breast cancer.

Our agents and staff volunteer regularly with different projects throughout the year to promote youth safety and life goals. These efforts help make the communities that Riskguard Insurance serves better places to live and work and these efforts make our agents better insurers. The spirit of giving back that drives us to be involved in our communities is the same spirit that drives our work habits. We establish and nurture long-term relationships with clients that makes it easier to help our clients stay secure.


We believe in giving every client the easiest, but most beneficial insurance experience possible, and this means that we provide services that augment the products we deliver. We help our clients to manage their own risk by educating them in insurance terms and coverages and when a loss does happen we make ourselves fully available to help handle the claim.

We welcome an inquiry from anyone who is interested in our products and services or who just wants to learn more about our agency. Please contact us or give us a call. You can also request a quoteif you have an immediate need for an insurance policy.

Riskguard Insurance Solutions is proud to provide insurance and risk management solutions throughout California including San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA. We also serve other areas in the state. We serve four other states, Nevada, Oregon, Arizona and Texas.

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Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.