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Specialized Business Insurance and Employment Benefits Services in Charlotte, NC

Risk Solutions, Inc. is an independently owned and operated insurance agency and consulting firm specializing in providing risk, insurance and employee benefit services to small and medium sized businesses.  At Risk Solutions Inc., we believe that business owners in North Carolina, South Carolina, Virginia, West Virginia, California, Oregon and Texas deserve professionalism, competence, fairness, truth, and honesty. As a provider of insurance education and implementation options for the past 20 years, we don’t focus on sales. Instead, we are dedicated to providing viable solutions and mitigating aspects of your business that will actuarially affect your commercial insurance costs. We seek the right solutions first and foremost, and then we implement our insurance broker services to achieve the most cost effective approach to the specific situation.

We define our relationship with our clients as a Partnership.  In order to partner with someone in life or business, it’s important to know who they are and what makes them tick. We are unlike your typical insurance agency because we have built upon and operate within a set of high moral standards, what we refer to as our Core Values. 

  1. SERVICE: We believe our time, talent and resources fulfill their greatest potential when they are invested in others. We passionately lead, support, protect and provide for our clients, teammates and communities.
  2. TRUST: Our commitment to each other must be firm and faithful. We act with integrity, speak with truth and produce work that is consistent and reliable.
  3. TEAMWORK: We achieve the most when we work together. We strive toward common goals, respect the input of all, shoulder each other’s burdens and humbly share praise for our common efforts.
  4. INNOVATION: We foster an environment of ingenuity, constant learning, creativity and originality. We improve daily by welcoming new ideas, solving problems and employing the best technology and resources available.
  5. APPRECIATION: We honor our partners, teammates and communities by displaying gratitude and a positive attitude. We strive to support each other with uplifting words and encouraging actions, even in difficult circumstances.

Whether you need someone to give you clear answers to complicated risk questions, guide you through changes that will save your company money, or provide you with opportunities to get the right resources to improve your overall risk profile; we will always be there for you. 

Our Services

At Risk Solutions Inc., our services combine the best of the commercial insurance industry, risk management, employee benefits services and regulatory compliance environment. We will help you form a strategic risk management plan that is specific to your business’ unique operations. This plan will comply with OSHA, Department of Labor, IRS and ACA requirements, including required training and written program materials, and will drastically reduce the number of hours you spend dedicating to commercial insurance issues.

Some of the lines of insurance we offer include workers’ compensation, high-risk liability insurance, excess liability, commercial auto, product liability, environmental pollution remediation liability, and more.

On the Employee Benefits Services side of the operations, we provide leadership, guidance and personal service in designing and implementing medical, dental, vision and ancillary coverage lines that will meet or exceed your strategic plan and comply with the recent legislative and regulatory changes in group welfare insurance programs.

Connecting with Our Agency

We think of ourselves as trusted partners of and advisers to our clients rather than a vendor.  Our interest is in protecting our clients’ assets and in helping our clients grow their businesses. The best way for us to do these things is to provide optimal insurance and employee benefits solutions, and extensive personalized services.  We maintain ongoing relationships with our clients so our partners can depend on us from more than a blanket of security and annual review and renewal.

We manage risk and claims and are always available when we are needed.  This means that clients have advocates, can reduce costs, and have all the information that they need in order to make the best decisions about their insurance and employee benefit plans.  This is a broad-stroke view of what we do; in reality our services are much more detailed and individualized.  We are proud to partner with our clients and welcome an opportunity to tell you about it.

Please contact us or give us a call to learn more. 

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Our Location

Risk Solutions, Inc.

7761 Ballantyne Commons Pkwy #101
Charlotte, NC 28277

Phone Number:

Main office: 704-989-7724
Toll free: 844-565-RISK
Fax: 980-237-0671

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed


Harold's knowledge of the insurance industry is extremely reassuring! He understands how to protect his clients and works diligently to ensure that there are no gaps that could potentially leave the client exposed. He has also helped reduce our annual insurance expense by $50,000, while providing superior coverage and services. We are very pleased and I highly recommend that you contact Harold for any commercial insurance questions or needs.

Jean Wilson
Harold has been great to work with. His team have been responsive to our needs, easy to communicate with and supportive of our business as a whole. As our business continues to grow, I look forward to a great relationship with Harold and HICG.

Shawn Parker
We asked Harold Howell to review our commercial insurance for gaps and potential cost savings. He provided us with much improved protection while reducing our expenses by 20+%. They have been fantastic partners for our business.

Ed Bradford
Harold's experience and understanding of the insurance industry makes him stand out as a true professional. Harold understands how to analyze risk and place coverage in the best interest of the customer. It is great to meet someone who shows as much integrity as Harold. I have truly enjoyed my business dealings with him.

Jeff Johnson
Harold's expertise surrounding Workers Compensation classifications and the annual audit process is the most valuable resource I have experience from any insurance broker. His audit and guidance saved our company tens of thousands of dollars.

Chris Kelford

Richard Slansky