About Riskado
Riskado is an independent bilingual information site and a directory of local insurance agencies across the US. It is not an insurer, an agency or a broker, and it does not sell insurance or give quotes. Agencies pay flat fees for directory plans and marketing services, Sponsored placements are labelled, and a listing is not an endorsement.
Riskado is published under its own name, with no personal byline. You can reach us any time through the Riskado contact form.
Where the name Riskado comes from
Riskado comes from arriesgado, the Spanish word for "risky." Portuguese has arriscado. The "-ado" ending works a lot like "-ed" in English: it turns an idea into something done. That is what insurance is for. You cannot make the risk go away, but you can cover it. Riskado is here to help you understand your options and find a local insurance agency that can help.
Two paths: answers and agencies
Most visitors arrive with one of two jobs. Some have a question about a policy, a bill, a claim or a rule in their state. Others want the name and number of an agency near them. Riskado keeps those two jobs on separate paths so you can go straight to the one you need.
The Riskado insurance guides explain how coverage works and what to do next, in English and in Spanish. Where the answer depends on where you live, start with the state insurance guides for your state.
The insurance agency directory lists agencies across the US, state by state and town by town, with each agency's address, phone number and hours.
Who can advise you on a specific policy
Selling, soliciting or negotiating insurance takes a state license. In Connecticut, for example, anyone who sells, solicits or negotiates insurance must hold the appropriate license, according to the Connecticut Insurance Department's general licensing FAQs (opens in a new tab) (April 6, 2026). Connecticut Insurance Department Bulletin S-16 (opens in a new tab) defines "negotiate" as conferring directly with, or offering advice directly to, a buyer about the benefits, terms or conditions of a particular insurance contract.
Riskado's guides explain concepts and public rules, and they give you the questions to bring to a licensed agent. To confirm that an agent or company holds a license where you live, check with your state insurance department (opens in a new tab).
How Riskado is paid
Riskado's income comes from insurance agencies, through two sources.
The first is directory plans. Any agency can claim its listing for free and correct its own details. Agencies can also choose a paid plan, Pro or Sponsored, for a flat monthly or yearly fee. A Sponsored placement carries the word "Sponsored" right on the listing, wherever it appears. The fee buys presentation and placement in the directory. It is never tied to a quote, a policy sold or a commission.
The second is marketing services for agencies: web design, search engine optimization, review management and video marketing. Buying a service does not change how an agency's listing is ranked or labelled.
The full breakdown, including how reviews and paid plans are kept apart, is on the page explaining how Riskado is paid.
What a listing tells you
A listing gives you the facts you need to make the first call: the agency's name, address, phone number and hours. It is a starting point for your own questions, not a ranking, a rating or a recommendation, and paying for a plan does not change that.
When you call, ask which insurers the agency represents, how it is paid, whether you will owe a separate fee, and whether it is licensed for the type of insurance you need in your state. Confirm the hours and services directly with the agency, since businesses change their details.
Corrections and contact
If a guide gets something wrong, or a listing shows an old phone number or the wrong hours, tell us through the Riskado contact form. Riskado has no public street address, so the form is the way to reach us about an error, a listing or a partnership.
If you run an agency, you can claim or update your agency listing for free; the Riskado page for insurance agencies explains how.
Frequently asked questions
Short answers to the questions visitors ask most about Riskado.
Is Riskado an insurance company?
No. Riskado is an independent information site and agency directory. It does not issue policies or pay claims, so questions about a specific policy go to your insurer, a licensed agent or your state insurance department.
Do agencies pay to appear in the directory?
Agencies can claim and correct their listing for free. Agencies can choose a paid Pro or Sponsored plan for a flat fee, and each Sponsored placement is labelled "Sponsored" where it appears.
Does a listing mean Riskado recommends the agency?
No. A listing shows an agency's name, address, phone number and hours so you can contact it yourself. Ask the agency about its licensing, the insurers it represents and how it is paid before you buy.
Find what you need
Choose what you need: understand an insurance question in the Riskado insurance guides, or find a local agency in the insurance agency directory.