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About us
Shield Your Business
At Hako Risk & Insurance in Kalispell, MT, we specialize in Risk Management Solutions and Commercial Insurance for businesses across the US, with extensive knowledge of challenging market segments in Colorado, Nevada, California, and Arizona.
We have a passion for the work we do and the peace of mind we provide to our clients. As an independent insurance agency, we are uniquely positioned to provide comprehensive programs and strategies that help you address your unique exposures, mitigate any losses, and safeguard those assets.
Our Clients Include:
▪️ Contractors
▪️ Agribusiness
▪️ Propane and Fuel Dealers
▪️ Roofing Contractors
We also have special expertise in complex market segments, including Production Housing Trade Contractors, Prefab, Multi-Family, Roofing, Infrastructure, and Transportation.
MANAGING RISK
Today, we find that about 80% of businesses have coverage gaps, often putting both their business and personal assets at risk. So, our first priority is to help you identify these gaps by providing you with a comprehensive Risk Management Analysis.
RISK MANAGEMENT ANALYSIS
Your business has its own unique risk challenges and exposures. With our Risk Management Analysis, we thoroughly check exposures and coverages specific to your business. We review every policy, every clause, exclusion, endorsement, and other documentation requirements to find coverage gaps.
From this analysis, we provide you with solutions and coverage options to fill gaps and give you recommendations in other areas such as contractual risk management, indemnity agreements, and entity structure.
SERVICE
At Hako Risk, we focus on building relationships and trust with our clients, and for over 35 years, our clients have trusted us with their commercial insurance and risk management programs.
Our experienced staff will deliver solutions to protect your business and provide you with superior products and responsive customer service. Feel free to reach out for more information.
What our clients are saying
"We bought property, general liability, cyber insurance, workers compensation, and automobile for our business from Hako Risk in May 2021 and couldn't be happier. Michael was very responsive, competitive, and helpful. The service has been wonderful since we went with them!"
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Commercial Lines insurance professionals
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 quoteIf 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 quoteRestaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.
Request a restaurant insurance quoteHotel 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 quoteBakery insurance is designed to protect your small business from potential hazards that can lead to serious financial loss. Talk to an independent agent.
Request a bakery insurance quoteIf you need a comprehensive malpractice insurance policy, contact our independent insurance agent office. We can provide the right policy for your needs.
Request a malpractice insurance quoteWhy choose Hako Risk & Insurance
States we serve
- Arizona
- California
- Colorado
- Idaho
- Montana
- Nevada
- Oregon
- Texas
- Wyoming
Our insurance coverages
Business insurance coverage
- Accident & Health
- Bonds
- Builders Risk
- Business Owners Package (BOP)
- Business Vehicle
- Contractors Equipment
- Cyber Liability
- Directors & Officers
- Employment Practices Liability
- Errors & Omissions
- General Liability
- Inland Marine
- Other
- Professional Liability
- Property
- Umbrella / Excess
- Workers' Compensation
Industries we serve
- Accommodation and Food Services
- Agriculture, Forestry, Fishing and Hunting
- Construction
- Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
- Transportation and Warehousing
Recommended insurance company partners
Other companies we work with:
ACSTAR Insurance Company, AFLAC, AIG Insurance Company, AIX Group Incorporated, AXA XL, AXIS Insurance Company, Acuity, Admiral Insurance, Alaska National Insurance Company, Alea North America, All Risks, Allied World Assurance Company, AmTrust Financial, AmWINS Group, Amerisure Insurance Company, Anthem Insurance Company, Applied Underwriters, Arch Insurance Company, Argo Group, Arrowhead General Insurance, Atain Specialty Insurance, Atlas General Agency, Beazley Insurance Company, Benchmark Insurance Company, Berkley Aspire, Berkley Mid-Atlantic Group, Berkley Risk Insurance Company, Berkley Select Insurance Company, BerkleyNet, Berkshire Hathaway GUARD Insurance Company, Berkshire Hathaway Homestate Companies, Berkshire Hathaway Insurance Company, Blue Cross Blue Shield, Builders & Tradesmen's Insurance (BTIS), Builders Insurance Group, Burns & Wilcox, CBIC, CNA, CNA Surety, Chartis Property Casualty Company, Chubb, Clear Blue Insurance Group, Colony Insurance Company, Continental Western Group, Contractors Bonding and Insurance Company (RLI), CopperPoint Insurance, Empire Insurance Company, Energi, Everest Security Insurance, Golden Bear Insurance Company, Great American Insurance Company, Guard Insurance Group, HCC Surety Group, Hagerty, Hiscox Ins Co Inc., Houston International Insurance Group, Hudson Insurance Group, Humana, Ironshore Specialty, James River Insurance Company, K&K Insurance Group, Kinsale Insurance, Landmark American Insurance, Lexington Insurance Co, Liberty International Underwriters, Lloyd's, Markel Specialty, Merchants Bonding, Mesa Underwriters Specialty Insurance Company (MUSIC), Midwest Family Mut, NCCI Insurance Company, NIP Group, National Indemnity Company (NICO), New Mexico Mutual, OHIC Insurance Company, Ohio Indemnity Company, Old Republic Surety Company, PersonalUmbrella.com Insurance, Philadelphia Insurance Companies, Pie Insurance, Princeton Insurance, QBE Insurance Corporation, RPS, Republic Indemnity, Rockingham Casualty Company, Ryan Turner Specialty, SIS Wholesale Insurance Services, Scottsdale Insurance Company, Surplus & Excess Lines, Tangram Insurance Services, Texas Mutual, The Hartford, Tokio Marine HCC, Trustmark Insurance, UCPM Environmental Insurance, US Assure, United Fire (UFG), United Healthcare, W. R. Berkley Insurance Group, Western World Insurance, Westminster American, Westport Insurance CorporationHako Risk & Insurance Team
Hako Risk & Insurance Reviews
Customer Reviews
We bought property, general liability, cyber insurance, workers compensation, and automobile for our business from Hako Risk in May 2021 and couldn't be happier. Michael was very responsive, competitive, and helpful. The service has been wonderful since we went with them!
