Coastal San Clemente bluffs overlooking the Pacific Ocean
San Clemente, California

Your Coastal Community Deserves Protection That Stands as Strong as the Ocean Behind It

Independence Risk Solutions delivers the kind of risk management and insurance guidance that keeps San Clemente businesses thriving and families secure — no matter what the coast throws your way.

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20+
Years of Experience
500+
Clients Protected
100%
Local Commitment
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What We Do

Comprehensive Risk Solutions Tailored to Your World

From coastal commercial enterprises to family estates, we design risk strategies that are as distinctive as the communities we serve.

Commercial Insurance

General liability, property, workers' compensation, and professional liability coverage crafted for businesses that call San Clemente home.

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Residential & Property

Coastal homes demand specialized coverage. We protect your residence against flood, earthquake, windstorm, and the unique hazards of Southern California living.

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Risk Assessment & Advisory

Our consultants identify vulnerabilities before they become claims. We provide thorough risk audits and strategic advisory for organizations that cannot afford surprises.

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Employee Benefits

Attract and retain top talent with competitive benefits packages. We design health, retirement, and voluntary benefit programs that work for your workforce.

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Claims Advocacy

When disaster strikes, having a seasoned advocate makes all the difference. We fight for fair settlements and handle the complexities so you can focus on recovery.

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Specialty & Excess Lines

Standard policies don't always cover extraordinary risks. We access specialty markets to secure coverage for high-value assets, unique operations, and complex exposures.

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Professional team reviewing risk assessment documents at a San Clemente office
About Us

Rooted in San Clemente, Committed to Your Security

Independence Risk Solutions was founded on a simple belief: that the people who protect our coast should have someone in their corner. Located on Avenida del Mar, we are neighbors to the businesses and families we serve.

Our team brings decades of combined experience in insurance brokerage, risk consulting, and claims management. We don't sell policies — we build relationships. When you work with us, you get a partner who understands the unique risks of coastal living and the specific needs of South Orange County enterprises.

Local Expertise
Deep understanding of coastal risks
Independent Voice
We work for you, not carriers
Proactive Approach
Prevention over reaction
Trusted Advisor
Honest guidance, always
Meet Our Team
Why Choose Us

The Independence Difference

In an industry full of paperwork and fine print, we bring something rare: clarity, conviction, and a genuine investment in your outcome.

Personalized Strategy

Every client receives a custom risk profile and tailored coverage plan — never a one-size-fits-all policy.

Multi-Carrier Access

We shop dozens of A-rated carriers to find the right coverage at the right price — you compare, we negotiate.

Claims-First Mindset

We structure policies with the claims process in mind, so when you need us most, everything is in place.

Community Connection

We're active in San Clemente civic life because we care about the community we're privileged to serve.

Ready to Protect What Matters Most?

Schedule a complimentary risk assessment with our team.

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Client Perspectives

Trusted by South Coast Businesses

The relationships we build are our greatest asset. Here's what some of our clients have shared about working with us.

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"When a storm damaged our waterfront property, Independence Risk Solutions handled everything — from documentation to settlement. They made a stressful process manageable and ensured we were treated fairly."

M.R.
Restaurant Owner
San Clemente
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"As a growing business, we needed coverage that could scale with us. Independence Risk Solutions reviewed our entire operation and designed a program that gave us confidence at every stage of growth."

L.T.
Business Owner
San Clemente
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"What sets this team apart is their honesty. They told us where we were over-insured and where we had gaps — without any pressure to buy more than we needed. That integrity is rare."

S.K.
Homeowner
San Clemente
Get In Touch

Let's Start a Conversation

Whether you need a policy review, a new coverage quote, or simply want to understand your risks better — we're here. Reach out and a member of our team will respond promptly.

Call Us
(833) 878-2820
Email Us
marketing@swartsmanning.com
Visit Us
122 Avenida del Mar
San Clemente, CA 92672-4068

Request a Consultation

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