CMR Risk & Insurance Services

What CMR Risk & Insurance Services does

CMR Risk & Insurance Services, Inc. is a privately-held, San Diego-headquartered risk management and human capital consulting firm founded in 2004, operating with 11–50 employees across offices in downtown San Diego and Solana Beach. The company functions as an outsourced chief risk officer for enterprise clients, providing insurance brokerage and placement, workers' compensation program management, employee benefits delivery, surety bonding, and human resources and healthcare compliance support. CMR is vertically specialized, with dedicated service teams serving construction, real estate, non-profit/social services/healthcare, hospitality, and employee benefits clients primarily in California and Arizona, with documented project placement across several western states.

The firm's technical core is a proprietary web-based Risk Management Center platform that, per company disclosure, delivers a 20% annual loss reduction across enrolled clients. Service modules layer onto this platform—including Workers' Compensation Claims Auditing, an annually-reviewed Service Commitment plan, Human Resources Support, Financial Benchmarking, Equity Investor Insurance Review, Healthcare Compliance Services, and specialty LIHTC surety products. Revenue is generated through professional services fees and insurance brokerage commissions, with engagements priced on a quote basis tailored to each client's scope. GTM is sales-led via direct advisory relationships, supplemented by content marketing, webinars, and referrals.

CMR's recent strategic activity has centered on expansion: a November 2025 partnership with CyberCatch Holdings extends distribution into CMMC-compliance cyber insurance for U.S. defense suppliers; specialty LIHTC bonds widen the surety product line; and 2025 recognition as a Capital Insurance Group Agency of the Year reflects regional carrier relationship strength. The firm is independently owned with no disclosed institutional backing, funding rounds, or M&A activity.

Name

CMR Risk & Insurance Services

Legal name

CMR Risk & Insurance Services, Inc.

Website

https://cmrris.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage and Risk Management

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Risk management consulting
• Insurance brokerage services
• Employee benefits administration
• Workers compensation claims auditing
• Commercial surety bonding

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Risk Management Consulting: CMR provides risk management consulting services to help clients control their risk financing costs. The firm acts as chief risk officers, delivering expert counsel, superior service, partnership and trust across insurance design, placement, and ongoing risk management.
2. Insurance Brokerage and Placement: CMR places insurance programs for clients across multiple industries including construction, real estate, non-profit, hospitality, workers' compensation, and employee benefits. The firm works with insurance carriers to tailor risk management and insurance programs.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

CMR Risk & Insurance Services is an independent risk management and human capital consulting firm that places insurance programs and delivers ongoing risk advisory services for businesses across industries such as construction, real estate, non-profit, hospitality, workers' compensation, and employee benefits. The firm operates as an outsourced chief risk officer, combining insurance brokerage, proprietary loss-control technology, and human resources support to reduce clients' total cost of risk and benefits.

Product overview

CMR Risk & Insurance Services offers a unified risk management and insurance advisory platform centered on its proprietary Risk Management Center, a web-based platform proven to reduce losses by 20% per year. The service portfolio comprises advisory modules including Workers' Compensation Claims Auditing, Service Commitment planning, Human Resources Support, Financial Benchmarking, Equity Investor Insurance Review, and Healthcare Compliance Services. The company delivers these services across industry-specific programs including Real Estate, Construction, Employee Benefits, Workers' Compensation, Captive, Non-Profit/Social Services/Healthcare, Hospitality, and Surety, plus specialty products such as LIHTC Recapture Bond and LIHTC Operating Deficit Reserve Fund Guarantee Bond. CMR positions itself as a privately-held risk management and human capital consulting firm serving as an extension of clients' internal teams.

Differentiator

Problem solved

Functional benefit

Products and services

• Risk Management Center Proprietary web-based Risk Management Platform that provides enhanced loss control impact and efficiencies for enrolled clients; enrollment has been proven to yield a 20% loss reduction per year across all users.
• Workers' Compensation Claims Auditing Auditing service delivered by licensed adjusters, case nurse managers, and consultants with extensive workers' compensation claims handling backgrounds; audits insurance carriers' claims files to ensure appropriate payment, proper reserve settings, and favorable experience modification for client employers.
• Human Resources Support Advisory services that reduce internal Human Resource expenses and improve employee wellness through CMR's HR and employee benefits cost control capabilities, filling gaps in client HR departments.
• Equity Investor Insurance Review Per-project fee service for real estate equity investors ensuring all involved parties carry insurance as required by project-level documents, spanning construction, lease-up, and stabilization phases.
• Healthcare Compliance Services Compliance strategy services helping businesses of all sizes stay current with ever-changing mandated healthcare compliance requirements and ensuring they meet all employer responsibilities.
• Real Estate Insurance Program Industry-specific risk management and insurance program for firms in the real estate industry, working with insurance carriers that understand the unique exposures of the real estate sector, including coverage through construction, lease-up, and stabilization phases for equity investors.
• Construction Insurance Program Industry-specific risk management and insurance program exclusively for firms in the construction industry, tailored to address unique industry exposures including project-specific coverage and liability.
• Employee Benefits Program Program delivering a wide selection of employee benefits, products, and services with expert counsel, superior service, partnership, and trust, filling gaps in client HR departments and supporting wellness and compliance.
• Workers' Compensation Program Workers' compensation program assistance functioning as an extension of clients' internal teams, focused on overall program management and mitigating exposure and reducing costs.
• Captive Insurance Program Structured group captive programs for high-performing businesses with strong leadership, disciplined safety programs, and stable loss history, designed to transform insurance from a recurring expense into a long-term financial strategy.
• Non-Profit, Social Services & Healthcare Insurance Program Property and General Liability insurance program for non-profit organizations engaged in Social Services, Environmental, Educational, and Children's Services.
• Hospitality Insurance Program Insurance program tailored for the hospitality industry, addressing hospitality-specific risk exposures.
• Surety Bond Program Contract and Commercial Surety program with extensive experience negotiating preferred rates and minimal indemnity requirements, covering bid, performance, payment, and subdivision bonds, plus license, deposit, tax, and payment transfer bonds.
• LIHTC Recapture Bond Specialized recapture bond product for Low Income Housing Tax Credit (LIHTC) transactions.
• LIHTC Operating Deficit Reserve Fund Guarantee Bond Specialized guarantee bond for LIHTC operating deficit reserve fund requirements.

Quantifiable outcome

• 20% loss reduction per year
• +1 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• CyberCatch Holdings, Inc.minorGTM or Marketing Partner · 12 November 2025CyberCatch Holdings, Inc. partnered with CMR Risk & Insurance Services to provide discounted cyber insurance to U.S. defense sector suppliers needing to comply with the new CMMC (Cybersecurity Maturity Model Certification) regulation effective November 10, 2025. CyberCatch launched an AI-enabled compliance solution targeting small to medium-sized defense suppliers, and CMR provides discounted cyber insurance as part of the joint offering.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bolton & Company: California-based commercial insurance and risk management firm serving mid-market clients across construction, real estate, and non-profit. Directly comparable in geography, target segments, and risk advisory service mix.
• Heffernan Insurance Brokers: Independent West Coast-focused commercial insurance brokerage offering property/casualty, employee benefits, and risk management services to mid-market clients. Directly comparable given similar regional concentration, vertical specialization, and high-touch advisory model.
• Woodruff Sawyer: Independent commercial insurance brokerage focused on mid-market and select industries including real estate and construction. Directly comparable due to similar client profile, advisory positioning, and West Coast presence.
• RPS (Risk Placement Services): Specialty insurance brokerage serving construction, real estate, hospitality, and non-profit with binding authority and risk management capabilities. Directly comparable in vertical focus and specialty placement model.
• Brown & Riding Insurance Services: Specialty insurance brokerage serving construction, real estate, hospitality, and non-profit with risk management and surety services. Highly comparable to CMR in vertical specialization and service model.
• Higginbotham: Independent commercial insurance brokerage offering property/casualty, employee benefits, and risk management to mid-market clients across multiple U.S. regions. Comparable in service mix, client size, and growth-oriented independent brokerage model.
• Alliant Insurance Services: Large U.S. commercial insurance brokerage with strong specialty and construction/real estate verticals. Comparable because it serves similar mid-market and specialty lines, including construction and real estate, through dedicated industry teams.

Broad incumbents

• Marsh McLennan: Global insurance brokerage and risk advisory firm with dedicated construction, real estate, and hospitality practices. Comparable as an incumbent competing for the same commercial accounts, though at significantly larger scale.
• Lockton: World's largest independent insurance brokerage with strong real estate, construction, and hospitality practices. Comparable because it competes for the same mid-market and upper mid-market commercial accounts, albeit with global scale.
• HUB International: Large North American insurance brokerage with deep specialty, construction, and real estate practices and significant California presence. Broader portfolio but overlaps directly with CMR's verticals and mid-market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CMR Risk & Insurance Services