Start with the situation you are in.
You own a business, a commercial building or rental property
Commercial insurance, property, contractors, trucking, real estate investors and portfolios.
You are in California, you work in mortgage lending or real estate, or you would rather do this in Spanish
Personal and commercial coverage in greater Los Angeles, and files that have to clear by a closing date.
You need home, auto, a small business policy, Medicare or life insurance
Personal insurance and small commercial, plus Medicare and life and health.
You are already a client and need a certificate, a policy change or a billing answer
Certificates of insurance, endorsements, billing and day-to-day service requests.
Not sure? Call or text (541) 681-8793 and we will put you with the right person.
The people who advise on coverage.
Richard, Hugo and Sabina hold insurance producer licenses. They are the people who can quote a policy, recommend coverage and advise on what a policy does. Every producer's National Producer Number is listed below and can be checked through the NIPR national producer lookup.
Richard founded Vantage Point Risk in 2019 to give business owners, commercial property owners and real estate investors a straight read on their coverage before they buy, renew, finance or file a claim. He came to insurance after 25 years in engineering and industrial operations, most of it spent designing, installing and selling large capital systems, so he reads a policy the way he used to read a system drawing, looking for the place it fails under load. In practice that means asking what a building costs to rebuild, what a lease actually transfers to a tenant, and what a lender will demand at closing, then taking the account only to the carriers that want it.
Read Richard's full profile →
Hugo has been in insurance since 2013, across personal and commercial lines, working with individuals, families, small businesses and mortgage professionals throughout greater Los Angeles. He founded CoverGuard Insurance Agency, an independent brokerage in Whittier, and partnering with Vantage Point Risk widened the market behind those clients rather than changing what he does for them, with more carriers and more support behind each account. He also pairs the insurance side with a real technical background, building his own tools for quoting and client communication, which the mortgage professionals working to a closing date notice first.
Read Hugo's full profile →
Sabina helps clients with personal insurance, small commercial insurance, Medicare, and life insurance. Born in California, she spent 23 years on Oahu before moving to Eugene in 2014, and she brings 37 years of combined business and customer service experience to every conversation. Her approach is straightforward: honest information, real options, and enough room for a client to ask the second question. If you want a patient advisor who explains the trade-offs and never pushes, that is the work she does all day.
Read Sabina's full profile →The people who keep it running.
Mariana and Juan are not licensed producers and do not advise on coverage. They handle certificates, policy changes, billing and service requests, and they route anything that needs a coverage decision to one of the producers above.
Mariana works across client service and digital marketing. She came to insurance from international logistics, handling customer service, documentation and billing for companies moving time-sensitive shipments, which is a demanding school for detail and for telling somebody the truth about a delay while they are still on the phone. Day to day she supports clients, agency operations, marketing, and Spanish-speaking communication.
Juan keeps things moving after coverage is in place: certificates of insurance, policy updates, billing questions, and the rest of what comes up across the life of a policy. He has a strong background in customer service, administrative support and process management, and he is the kind of person who works out how something runs and then makes it run better. High-volume, detail-heavy, time-sensitive work is where he does his best, and he serves clients in English and Spanish.
Talk to a real person who takes insurance seriously.
Tell us what you are protecting and we will point you to the right person and the right next step.
Already a client and need service? Go to the Service Center