Coverage for what matters most.
Home. Auto. Umbrella. Business.
An independent agency led by Libby Mendiratta, who spent 25 years in construction before she started writing the policies. Protection for your family, and for the business you've built.
People. Families. What's next.
Your home, your cars and everything you've worked for, reviewed together so nothing falls through the gaps between policies. One agency, one conversation, one person who knows your file.
Home
Dwelling, belongings and liability, written at today's rebuild cost rather than what you paid.
- Homeowners & condo
- Renters
- Landlord & short-term rental
- Jewelry, art & valuables
Auto
Every driver and vehicle in the household on one policy, including the new driver you're nervous about.
- Personal auto
- Teen & young drivers
- Classic & collector cars
- Boat, RV & recreational
Umbrella
An extra $1M or more of liability that sits above your home and auto limits when a claim outgrows them.
- Personal umbrella
- Excess liability
- Coverage for rental properties
- Annual coverage review
Built by someone who's been on the jobsite.
Most agents learn construction from an application. Libby learned it running projects. She knows what's in a subcontract's insurance requirements, why an owner wants additional insured status, and what a lapsed certificate does to a draw.
We keep your certificates, additional insured endorsements and waivers organized so you can bid, mobilize and get paid without waiting on paperwork.
General liability
Third-party injury and property damage, with completed-operations coverage that follows your work after the job closes out.
Workers' compensation
Correct class codes, clean audits and fewer surprises at year end.
Commercial auto
Pickups, box trucks and the employees who drive them, including hired and non-owned exposure.
Contractor's equipment
Inland marine coverage for tools, equipment and materials on site, in transit or in storage.
Business owner's policy
Property, liability and business income bundled for offices, shops and small firms.
Commercial umbrella
Higher limits to meet owner and GC contract requirements without rewriting your whole program.
Real people. Safer tomorrows.
Direction
OpportunityCoverage planned around where you're headed: the next house, the next hire, the next project.
Strength
StabilityCarriers with the balance sheet to pay claims, and limits set to what you could actually lose.
Partnership
Higher togetherOne relationship that grows with you, and an agent who answers her phone when something goes wrong.
An insurance agency with a builder's point of view.
Libby Mendiratta founded Explore Risk Group after 25 years in construction leadership and consulting. She has seen how families and businesses actually lose money, and how the right coverage keeps them moving.
I'm not an insurance person learning my clients' world. I've lived in it for 25 years.
Explore Risk Group writes personal and commercial coverage through a network of trusted carriers, with the same standards Libby held on every jobsite: do the work right, communicate clearly and show up when it counts.
Three steps, one person.
No call center and no handoffs. You'll work with Libby from the first question to the signed policy.
Tell us what you need
Send the request below with your current declarations pages if you have them. Five minutes is enough.
Review your coverage
Libby walks through limits, gaps and options with you, and explains every line in plain English.
Bind and move on
Choose your coverage, sign, and get proof of insurance and certificates the same day.
Let's protect what you're building.
Tell us a little about what you'd like covered. Libby will follow up within one business day.