Our carriers — we shop the market for you
United Risk Agency is an independent insurance agency in Orange Beach, Alabama. That means we are not tied to a single insurance company. When you ask us for a quote, we compare the carriers below — and, for hard-to-place coastal and commercial risks, specialty and wholesale markets as well — and we will review the options and get back to you. Serving Orange Beach, Gulf Shores, Foley and statewide across Alabama. Licensed in AL, FL & MS.
Home & auto
Homeowners, condo, renters, auto, motorcycle, boat and more.
Safeco
Foremost
Bristol West
National General
GEICO
GAINSCO
Coastal property, wind & flood
Coastal homeowners, wind coverage, and flood insurance through NFIP and private flood markets. We shop wind-included and private wind-only options first; the state pools (AIUA in Alabama, MWUA in Mississippi) are a backstop, not the default.
PICA
We also write flood insurance through the National Flood Insurance Program (NFIP).
Commercial & business
Commercial property, wind, general liability, business owners policies, workers' comp and cyber for coastal businesses.
Coterie
Specialty — classic & collector vehicles
Plus markets you will not see at a captive agency
Beyond the carriers above, we access 20+ specialty and wholesale markets for hard-to-place coastal homes, vacation rentals, contractors, hospitality and other risks a single-company agent cannot place. If a standard carrier says no, that is usually where our work starts — not where it ends.
Call 251-333-4750 or start a quote online and we will review it and get back to you.
Carrier availability, eligibility and pricing vary by property, state and underwriting. Listing a carrier here means United Risk Agency can submit business to that carrier or market; it is not a guarantee that any carrier will insure a specific property or risk. Coverage is bound only when confirmed in writing.