Better coverage and stronger pricing — built for manufacturers & wholesalers.
I’m Drew Baker with C3 Risk & Insurance Services. Because I focus on a narrow set of industries, I build programs with broader coverage and sharper pricing than a generalist can — through specialty carriers most brokers can’t reach.
What are you doing to combat rising property and auto rates?
Carriers push rate increases every year — on property, auto, and stock — and they will if you let them. Beating that comes down to two things: knowing which carriers to leverage when we quote, and getting the right risk-management “checks” in place to trigger the credits our underwriters can offer.
Question 02
What do you do when my Experience Modification Rate (X-Mod) is over 100?
Whether it’s over 100 or over 200, the process is the same. We schedule a call to go through your current loss runs and identify trends, then bring in our in-house risk-management team to build processes that prevent future claims — while setting up recurring reviews of existing claims to keep costs down. We’ll get your mod down over time.
Question 03
What are the biggest claims you’ve seen for manufacturers and wholesalers lately?
Product liability and recall, by far. A single defective lot can surface claims long after it leaves your floor — so it’s critical to carry the right coverage every year and keep your completed-products exposure protected.
Question 04
What’s the most likely claim to happen for a manufacturer or wholesaler?
Workers’ comp and product liability — machinery, lifting, and repetitive-motion injuries on the floor, plus anything tied to the goods you make or move. And here in CA, EPLI wage-and-hour claims are common too — we have the best markets to help you shop these.
About Drew
Sixteen years, one focused approach
Drew Baker
Commercial Insurance Broker, C3
Commercial insurance broker with more than 16 years of experience. By concentrating on a focused set of industries, I structure programs with broader coverage and stronger pricing than a generalist approach typically allows.
Much of that advantage comes from access to specialty and niche carriers outside the standard market — carriers many brokers cannot reach — which translates into more competitive terms and coverage aligned with your real-world exposures.
Industries I focus on
Food & beverageMachinery & equipmentAuto partsWholesale & distribution& other manufacturers
Coverage I place
The policies manufacturers & wholesalers actually need
Workers’ Compensation
General Liability
Product Liability
Product Recall
Commercial Property
Commercial Auto & Fleet
Umbrella Liability
Cargo & Inland Marine
What working with me looks like
Three steps, zero pressure
1
A 30-minute call
We get to know each other and review your current program. If it’s already strong, I’ll tell you on that call — I’m not here to waste your time or mine.
2
Quoting
I go to specialty programs other brokers don’t have — and I work 100% around your current broker. I won’t block any of their markets. To quote it right, I’ll need:
ALoss history — the last 5 years.
BYour current policies — I can’t build a proper quote without reviewing your actual coverages.
3
The proposal
I present the quote side-by-side against your current coverage. Because I focus on such a narrow niche, my markets are strong — and I’m often the more competitive option.
When you choose us
At C3 Risk & Insurance, you get a team of support
Not robots — real people you can reach.
Me — always available
You have my cell. When you need me, you reach me directly.
One primary account manager
A single point person for all your service needs — with a full team behind them, so nothing falls through the cracks.
A full claims department
An entire team to help you open a claim and support you through every step — checking in with adjusters and advocating hard for you when it counts.
Risk management support
We help you get the right documentation and practices in place — a stronger submission to carriers, and fewer claims over time, which is the real reward.
Let’s find out if I can do better.
One 30-minute call. No pressure, and no interference with your current broker. If your program is already great, I’ll say so.
