Protecting Your Future

Best-in-class risk management and insurance solutions tailored to the unique needs of our clients.

Our Risk
Management Solutions

Specialty Insurance
Business Insurance
Personal Insurance

Your Insurance Advisor

Serving clients throughout the United States with offices in West Chester, Pittsburgh and Ickesburg Pennsylvania, Bel Air, Maryland, and Front Royal, Virginia.

Smarter insurance starts with experts who think a little differently — a company which understands your industry and what’s on the line for you. As an independent insurance firm with locations in West Chester, Pittsburgh and Ickesburg, Pennsylvania, Bel Air, Maryland, and Front Royal, Virginia, we’ve built our business creating innovative solutions to even the toughest risk management challenges.

Element Risk Management is more than just an insurance firm that focuses on insurance placement. We work with individuals and business to find ways that address risk outside of what can be addressed through an insurance policy.

We’re always addressing the total cost of risk, and as a result are constantly asking ourselves “What’s the cost of doing nothing?”, in each scenario. Often, we can address that question by leading you to best practices that may be outside of placing coverage with a carrier.

Read About Us

Denise did everything right. She was professional, knowledgeable, accessible and very pleasant. We are truly satisfied with the service and the product we received.

Marie O.

Find us at one of our many locations



West Chester,

Bel Air,

Front Royal,


New Market,

There’s more to insurance than
the price of the policy

Explore our interactive graphics and learn about your unique risks
and the related insurance solutions.