About Champion Risk
How We Work
Discover our step-by-step process and see how we make getting insured smooth & efficient.
Who We Are
Insurance Experts Who Understand Your Business
Champion Risk & Insurance Services is an independent insurance agency headquartered in San Diego, California. We specialize in commercial insurance for transportation and logistics businesses—companies that move, store, and deliver goods across the country.
Our team brings decades of experience in the transportation sector. We understand FMCSA regulations, DOT compliance requirements, cargo liability exposures, and the day-to-day risks that trucking companies, warehouses, and delivery operations face. This knowledge allows us to build insurance programs that actually fit how your business operates.
We work with multiple carriers to find the right coverage at competitive rates. As an independent agency, we represent your interests—not a single insurance company. This means more options, better pricing, and advocacy when you need it most.
BRAND AMBASSADOR
Mike Martz
"Success in life and business comes from great teamwork, strong leadersip, and trust. That's what Champion Risk stands for and I'm proud to be a part of it."
One of the most respected offensive minds in NFL history, Mike Martz architected the St. Louis Rams' iconic "Greatest Show on Turf" — delivering a Super Bowl title and a franchise-best 14-2 season. A 2025 inductee into the Missouri Sports Hall of Fame, his legacy of excellence continues.
At Champion Risk, Mike embodies the mindset that drives champions in every arena: relentless focus, discipline, and a refusal to settle for average — values that reflect the way we serve our clients every day.
Mission & Vision
Our Purpose
What drives us every day
Our Mission
Deliver insurance solutions that keep transportation and logistics businesses protected, compliant, and ready for growth. We provide clear guidance, fast service, and ongoing support so our clients can focus on moving goods—not worrying about coverage gaps.
Our Vision
Build lasting partnerships with transportation businesses through trust, expertise, and results. We aim to be the first call for any company that moves, stores, or delivers goods and needs an insurance partner who truly understands their world.
Built for Your Business
Why Transportation & Logistics Companies Choose Champion Risk
Six reasons businesses trust our agency
Industry Focus
We understand freight operations, cargo risks, and DOT compliance requirements inside and out.
Independent Agency
We compare multiple carriers to find the best coverage and pricing for your specific operation.
Risk Management
Loss control and risk mitigation strategies that support safer operations and lower premiums.
Transparent Coverage
We explain policy terms in simple language so you know exactly what protection you have.
Long-Term Support
We stay with you through claims, audits, and renewals—year after year without fail.
Fast Service
Same-day certificates and quick quote turnaround to keep your business moving forward.
What Sets Us Apart
The Champion Risk Advantage
How we deliver value to transportation and logistics businesses
Competitive Pricing
We work with 30+ carriers who specialize in transportation risks. More options mean better rates for your operation without sacrificing coverage quality.
Deep Expertise
Our team knows FMCSA filings, BMC-91 requirements, cargo limits, and warehouse liability inside and out. We don't learn on your dime—we bring knowledge from day one.
Alternative Risk Transfer Solutions
Traditional coverage doesn't fit every operation. We offer captives, self-insured retentions, and other structures that reduce long-term costs for qualified businesses.
Workforce Safety
We help you build safer operations through loss control recommendations, safety program guidance, and risk assessments that reduce injuries and claims.
Health & Welfare
Beyond commercial coverage, we help transportation businesses access group health, dental, vision, and employee benefits programs to attract and retain quality workers.
Loss Control & Claims Management
We help prevent claims before they happen. When losses occur, we advocate for you through every step of the process until resolution.
Leadership You Can Trust
Meet the Champion Risk Team
Experienced professionals dedicated to your success
Mark Raby
Chief Executive Officer & Managing Partner
Jay Miller
Vice President, Commercial Insurance
Martin Lesko
Director
Theo Goodwell
Vice President, Commercial Insurance
Jesse De Santiago
Vice President, Commercial Insurance
Osmar Espinoza
Vice President, Commercial Insurance
Trusted by Businesses
Feedback That Reflects Service and Reliability
What our clients say about working with Champion Risk