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Smart Risk Insurance LLC
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Independent Insurance Agent in Okawville, IL

Smart Risk Insurance LLC

About us

The Smart Choice

Smart Risk Insurance is committed to helping our clients manage the risks that arise in everyday life. As a full-service agency, we strive to help our clients obtain the best possible insurance coverage at the best possible price. Every business, farm and family needs insurance, but few people have the time to read their insurance policy, let alone analyze risks and customize coverage, which is where we come in. For our commercial clients, we become familiar with your business operations and identify your risk factors in order to develop an appropriate risk mitigation and coverage strategy. Not a business owner? No problem, we still want to learn about your family's unique needs and cater a policy to fit your lifestyle.

We are guided by the highest standards of integrity and professionalism. Our Mission Statement is simple: To provide our valued clients the most comprehensive Insurance policy from the most knowledgeable and trustworthy staff.

What our clients are saying

"Jason is Azures broker in the US and has been an absolutely brilliant find. Im not sure we couldve done this without his patience and understanding. I couldnt recommend his firm Smart Risk Insurance Group more highly. "
Client of Smart Risk Insurance LLC
October 6, 2020

Personal and Commercial Lines insurance experts

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request a umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Request a hotel insurance quote

Why choose Smart Risk Insurance LLC

States we serve

  • Illinois
  • Indiana
  • Missouri
  • Texas

Our insurance coverages

Personal insurance coverage
  • Auto
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Farm
  • Home
  • Landlord
  • Renters
  • Umbrella

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Companies we partner with

  • Hiscox
  • Nationwide
  • American Modern
  • AmTrust Financial
  • National Indemnity Company (NICO)
  • MetLife Auto & Home
  • Attune
  • Rain and Hail Insurance Service
  • Burns & Wilcox
  • AIG Insurance Company
  • Progressive
  • Pie Insurance
  • QBE Insurance Corporation
  • Hanover Insurance Group
  • Texas Mutual
  • ICW Group Insurance Companies
  • Builders & Tradesmen's Insurance
  • Kemper Independence
  • Wellington Insurance Group
  • AIX Group Incorporated
  • Zurich North America
  • Berkshire Hathaway GUARD Insurance Company
  • Arrowhead General Insurance
  • Utica National Insurance
  • Burlington Insurance Company
  • Applied Underwriters
  • AXIS Insurance Company
  • NCCI Insurance Company
  • Madison Mutual Insurance Company
  • Employers Compensation Insurance Company
  • Berkshire Hathaway Homestate Companies
  • Berkshire Hathaway Insurance Company
  • Lloyd's
  • Arch Insurance Company
  • United States Liab
  • Philadelphia Insurance Companies
  • Hagerty
  • Rockingham Casualty Company

Smart Risk Insurance LLC Team

Smart Risk Insurance LLC Reviews

Average based on 4 reviews Leave a review
Customer Reviews
October 6, 2020

Jason is Azures broker in the US and has been an absolutely brilliant find. Im not sure we couldve done this without his patience and understanding. I couldnt recommend his firm Smart Risk Insurance Group more highly.

June 3, 2020

Jason was wonderful to work with, explained everything in detail and answered all our questions.Thank you again for putting this all together and looking out for our best interest.

June 3, 2020

If you are looking for an EXCELLENT insurance agent, look no farther than Smart Risk Insurance. The owner, Jason, presented me with several options then took the time to explain everything to me, allowing me to make an informed decision on my insurance coverage. I like how he not only made recommendations, he also explained why he made them, and the pros and cons of all my options.

June 3, 2020

Positive: Professionalism, Quality, Responsiveness, Value Jason McKinley has been the Washington County Vocational Workshop insurance agent for the last year and half. During that time he has responded quickly and professionally to any issues or questions we have. Also, he is very knowledgeable and does a great job in explaining our insurance and how we are impacted if things arise. We couldn't be more impressed and delighted to have Jason for our insurance agent!


Smart Risk Insurance LLC

The Smart Choice

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