C3 Risk and Insurance Services
Official C3 Risk and Insurance Services business agent. C3 Risk and Insurance Services, reached at the former B Wood Insurance web address, is a San Diego headquartered insurance brokerage offering commercial property and casualty, employee benefits, surety, financial services and personal lines.
About C3 Risk and Insurance Services
The Our Difference page explains how C3 Risk and Insurance Services describes itself. The site's line is that the firm was built on a desire to create an atmosphere for its clients, and that when the founders could not find the culture or combination of resources they wanted, they conceived a different kind of insurance company drawing on elements from outside insurance. Its stated mission is to bring colour and a fresh perspective, its purpose is creating a culture worthy of a lasting impact, its vision is to create peace of mind, and its pledge is that it shows up. The five core values listed are Curious, Creative, Collaborative, Care and Celebrate. The firm refers to its client onboarding as a Discovery process.
C3 is an Assurex Global Partner. The page states that Assurex Global was founded in 1954, has $40 billion in annual premium volume and more than 700 Partner offices, that it is the world's largest privately held commercial insurance, risk management and employee benefits brokerage group, and that just over 100 of the thousands of independent commercial brokers worldwide are Partners.
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About C3 Risk and Insurance Services
The Our Difference page explains how C3 Risk and Insurance Services describes itself. The site's line is that the firm was built on a desire to create an atmosphere for its clients, and that when the founders could not find the culture or combination of resources they wanted, they conceived a different kind of insurance company drawing on elements from outside insurance. Its stated mission is to bring colour and a fresh perspective, its purpose is creating a culture worthy of a lasting impact, its vision is to create peace of mind, and its pledge is that it shows up. The five core values listed are Curious, Creative, Collaborative, Care and Celebrate. The firm refers to its client onboarding as a Discovery process.
C3 is an Assurex Global Partner. The page states that Assurex Global was founded in 1954, has $40 billion in annual premium volume and more than 700 Partner offices, that it is the world's largest privately held commercial insurance, risk management and employee benefits brokerage group, and that just over 100 of the thousands of independent commercial brokers worldwide are Partners.
The partners page lists Ben Wood (Partner, Managing Director, Employee Benefits), Bryan Wood (Partner, Employee Benefits), Brandon Stanford (Partner and CFO), Carrie Conejo, Chris Morse, Doug Shea, Gabe Erle (President), Jamie Reid (Chairman), Kelly Rulon, Lindsay Bonfiglio, Marife Molina, Matt Clark, Mike Bialik, Paul Heidemann and Rich Hallett.
No California insurance licence number, registration number or founding year for C3 itself is published on the pages read, and no prices, rates or fees appear anywhere on the site.
From c3insurance.com
What C3 Risk and Insurance Services does
C3 Risk and Insurance Services offers financial services focused on life insurance and retirement solutions for individuals and business owners.
Focus of the financial services offering
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What C3 Risk and Insurance Services does
C3 Risk and Insurance Services offers financial services focused on life insurance and retirement solutions for individuals and business owners.
Focus of the financial services offering
- Life insurance and estate planning delivered via a partnership with DPH Financial Services, Inc., described as an elite independent life insurance and estate planning firm serving ultra‑affluent individuals and families, including athletes, entertainers, executives, entrepreneurs and business owners.
- Retirement income planning, including solutions aimed at providing guaranteed lifetime income so clients do not outlive their money.
- Business‑focused coverage such as Key Person (Key Man) and Buy‑Sell arrangements to protect the value that owners and key employees represent to a company.
- Coverage for active lifestyles, aimed at clients who lead active or higher‑risk lifestyles and want protection that fits those circumstances.
The website states that C3's philosophy in this area revolves around trust, transparency, professionalism, relationships and cutting‑edge knowledge, and that financial and insurance planning is coordinated with clients' wider professional advisory teams.
How planning is coordinated
- C3 works alongside estate planning attorneys, accountants, business managers, bankers and investment advisers so that insurance planning fits into the client's overall financial and estate plan.
- Relationships with over 60 life‑insurance carriers are described, giving access to a broad range of products and pricing.
What is *not* published
- The website does not publish any premiums, rates, fees, sample policy costs, minimum asset levels or income requirements for these services.
- It does not state what any specific policy would cover, which carrier would be used for a given client, or what medical or financial underwriting requirements apply.
Anyone wanting to explore these financial and life‑insurance services, or to find out what may fit their situation and budget, needs to contact the firm directly through the site's enquiry routes or by phone. Exact recommendations, coverage details and pricing can only be given in that one‑to‑one conversation.
C3 Risk and Insurance Services offers surety solutions and a range of supporting risk‑management and claims‑related services.
Surety bonds
On the Products and Services page, the Surety section states:
- C3 "delivers results when others say No" in the surety space.
- The firm specializes in all types of surety bonds, offering tailored programs.
- Industries specifically named include construction, energy and renewables, real estate, environmental, manufacturing, waste management, transportation and financial services.
The site does not list each bond type in detail or give examples of bond amounts or structures; instead it presents surety as a tailored program designed around a client's industry and needs.
Supporting risk and claims services
The Products and Services page also lists a set of services that support clients' overall risk‑management and claims outcomes, including:
- Claims Advocacy
- Nurse Triage Services
- Property Risk Management
- Safety and Loss Prevention Programs
- Human Resources support
- Actuary Services
- Claims Management
- Real‑time claim reporting
- Safety inspection services
- Employee training videos
- Brand management
- Underwriting packages
These services are described at a high level only; the site does not publish detailed scopes of work, deliverables or service‑level commitments.
What is *not* published
- No bond premiums, rates, fee schedules, indemnity requirements or maximum bond limits are shown on the pages read.
- There are no examples of specific bond programs for named clients and no guarantee that a particular client or project will qualify for bonding.
- For the supporting services, there are no published prices, timelines or packaged service tiers.
Clients who need surety bonds or help with claims and risk‑management services must contact C3 directly through the website or by phone. Eligibility, program design and pricing are handled case‑by‑case and are not stated publicly on the site.
From bwoodinsurance.com
Where C3 Risk and Insurance Services works
The contact page lists every C3 Risk and Insurance Services office location, with the address and, for most, a phone number.
San Diego (Headquarters): 404 Camino del Rio South, STE 410, San Diego, CA, 92108, phone 619.233.8000. Folsom: 101 Parkshore Drive, STE 100, Folsom, CA 95830, phone 916.932.7142. Santa Barbara: 924 Anacapa Street, STE 4M, Santa Barbara, CA 93103, phone 760.716.2220. Costa Mesa: 3090 Bristol Street, Suite 400, Costa Mesa, CA 92626. No phone number is published for this office. North Carolina: 8801 Fast Park Drive, STE 301, Raleigh, NC 27617, phone 919.727.6656. Kansas City: 710 Central Street, STE 33, Kansas City, MO 64105. No phone number is published for this office.
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Where C3 Risk and Insurance Services works
The contact page lists every C3 Risk and Insurance Services office location, with the address and, for most, a phone number.
San Diego (Headquarters): 404 Camino del Rio South, STE 410, San Diego, CA, 92108, phone 619.233.8000. Folsom: 101 Parkshore Drive, STE 100, Folsom, CA 95830, phone 916.932.7142. Santa Barbara: 924 Anacapa Street, STE 4M, Santa Barbara, CA 93103, phone 760.716.2220. Costa Mesa: 3090 Bristol Street, Suite 400, Costa Mesa, CA 92626. No phone number is published for this office. North Carolina: 8801 Fast Park Drive, STE 301, Raleigh, NC 27617, phone 919.727.6656. Kansas City: 710 Central Street, STE 33, Kansas City, MO 64105. No phone number is published for this office.
The San Diego office is the headquarters and is the address and phone that appear in the footer of every page: 404 Camino Del Rio South, Ste 410, San Diego, CA 92108, 619-233-8000. On coverage area, the personal lines page states that C3 is a California based agency with coverage in 50 states.
For media enquiries the page directs people to Katie Jackson at katie@cuentomarketing.com.
The contact page publishes no opening hours for any office and no online appointment or booking system, so anyone wanting to schedule a meeting or find out when an office is open should phone or use a form. The site also links to a Make a Payment portal at c3insurance.appliedpay.com and a Surety Portal, both reached from the C3 Client Portals menu.
Lists Brandon, Central, Kansas City, Jackson, Raleigh, Bryan, Marquette, and Bristol as a location. Names California and North Carolina as a service area. Areas beyond these are not published.
From c3insurance.com
Prices
Accreditation and credentials
The Property and Casualty page describes the commercial services C3 Risk and Insurance Services offers to business clients and carries a Get a Quote button. The lines the page names are Workers' Compensation, General Liability, Directors and Officers, Errors and Omissions, Cyber, Surety, Commercial Auto and Commercial Property.
On workers' compensation the page states it is required of all businesses in 49 states and that state requirements vary, with some states requiring it only after a certain number of employees are hired. It also states that premiums and limits can vary drastically. The page describes General Liability, also called business liability, as covering injuries, medical payments, advertising injury and property damage caused by employees. Directors and Officers is described as protecting company leaders from personal losses when a claim or lawsuit is filed against them personally. Errors and Omissions is described in relation to mistakes made while providing a professional service to clients.
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Accreditation and credentials
The Property and Casualty page describes the commercial services C3 Risk and Insurance Services offers to business clients and carries a Get a Quote button. The lines the page names are Workers' Compensation, General Liability, Directors and Officers, Errors and Omissions, Cyber, Surety, Commercial Auto and Commercial Property.
On workers' compensation the page states it is required of all businesses in 49 states and that state requirements vary, with some states requiring it only after a certain number of employees are hired. It also states that premiums and limits can vary drastically. The page describes General Liability, also called business liability, as covering injuries, medical payments, advertising injury and property damage caused by employees. Directors and Officers is described as protecting company leaders from personal losses when a claim or lawsuit is filed against them personally. Errors and Omissions is described in relation to mistakes made while providing a professional service to clients.
For commercial auto the page states that Trucking Proud, described as a C3 Risk and Insurance company, is a partner of the California Trucking Association and works on short-haul and long-haul trucking safety, training and commercial auto needs. Cyber and Surety have their own pages linked as Explore Cyber and Explore Surety.
These are the page's general descriptions of what each type of insurance is for. The page does not publish prices, rates, fees, premium figures or a cost estimate, does not state what any particular policy would cover for a particular business, and does not say whether any given claim would be paid. Those questions are handled by contacting the firm for a quote.
The Personal Lines page covers the services C3 Risk and Insurance Services offers to individuals and families rather than businesses. The categories it names are Automobile, Arts and Jewelry, Rental Properties, Valuables and Watercraft. The page describes a concierge service and says the personal lines team tailors solutions to protect clients and their personal assets. Matt Clark is named as the personal lines expert, with the title Partner, Personal Lines.
- How to get a quote
- the page carries a Get A Quote button leading to a short enquiry form, and the same page prints the contact details directly, giving 619.233.8000 with the San Diego address and 919.727.6656 with the Raleigh, North Carolina address. A person can phone or submit the form to start a quote; there is no self-service online rate calculator and no way to book an appointment through a calendar on the site.
On pricing, the page publishes no prices, no rates, no fees and no sample cost or estimate for any personal policy. Nothing on the page states what a premium would be, what discounts might apply, or whether a particular person or asset can be covered. Those answers come from the quote conversation.
On areas served, the page states that C3 is a California based agency with coverage in 50 states. It also has a Companies We Represent section, shown as logos rather than text, so the specific insurers behind it are not readable from the page.
The web address bwoodinsurance.com now redirects (HTTP 301) to c3insurance.com, the site of C3 Risk and Insurance Services. Ben Wood is listed on that site as Partner, Managing Director, Employee Benefits, and Bryan Wood is listed as Partner, Employee Benefits, so people who search for B Wood Insurance reach C3. The site does not publish any explanation of the change, so no history, merger date or former trading name should be stated beyond the redirect itself.
C3 is an insurance brokerage and risk management firm. Its headquarters address is 404 Camino Del Rio South, Ste 410, San Diego, CA 92108, and the phone number published in the site footer is 619-233-8000. The San Diego location is the head office; the contact page also lists offices in other areas.
The services the site groups under Products and Services are: Property and Casualty; Financial Services; Specialty Divisions, which covers Construction, Transportation and Logistics, Cyber, and M&A and Private Equity Insurance Due Diligence; Surety; Employee Benefits; and Personal Lines. Separate sections cover the C3 blog, podcast, events and community work.
The site publishes no prices, rates, fees or cost figures of any kind, and no sample quote or estimate. It publishes no opening hours and no online appointment or booking calendar. To contact the firm, or to schedule a conversation, the site offers a phone number, a contact page, and enquiry forms on the individual service pages. A California insurance licence number is not printed anywhere on the pages read.
From c3insurance.com
Employee benefits services and the C3 benefits process
C3 Risk and Insurance Services builds employee benefits packages for employers. The employee benefits page describes a process with six named stages: Competitive Analysis, assessing how competitive an employer's benefits are; Strategic Consulting, analysing employee data and benefit utilisation patterns to tailor the programme; Enrollment Technology, described as a cloud-based benefits administration platform for managing and enrolling in benefits; Employee Communication, where a communications team creates custom pieces for employee education and engagement; Brand Alignment, where the C3 marketing team assesses recruitment branding and online presence; and Compliance and Reporting, working with the employer on human resources and benefit plan compliance risk.
Ben Wood is listed as Partner, Managing Director, Employee Benefits, Bryan Wood as Partner, Employee Benefits, Mike Bialik as Partner and President, Employee Benefits Division, and Tracey Best as Partner, Employee Benefits.
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Employee benefits services and the C3 benefits process
C3 Risk and Insurance Services builds employee benefits packages for employers. The employee benefits page describes a process with six named stages: Competitive Analysis, assessing how competitive an employer's benefits are; Strategic Consulting, analysing employee data and benefit utilisation patterns to tailor the programme; Enrollment Technology, described as a cloud-based benefits administration platform for managing and enrolling in benefits; Employee Communication, where a communications team creates custom pieces for employee education and engagement; Brand Alignment, where the C3 marketing team assesses recruitment branding and online presence; and Compliance and Reporting, working with the employer on human resources and benefit plan compliance risk.
Ben Wood is listed as Partner, Managing Director, Employee Benefits, Bryan Wood as Partner, Employee Benefits, Mike Bialik as Partner and President, Employee Benefits Division, and Tracey Best as Partner, Employee Benefits.
Under an Individual and Family Plan (IFP) heading the page lists Blue Shield, Anthem Blue Cross, Health Net, Kaiser, Sharp Health Plan and Individual Travel Medical Policies. The page does not say who is eligible for any of these, what any of them cover, or what they cost.
The page ends with a Let's Connect form asking for first name, last name, email, phone, company name and a message, which is how an employer starts the conversation or asks to schedule a meeting. No prices, rates, premiums, fees or cost figures appear on the page, there is no published quote or estimate, and there are no office hours or online booking calendar. The main phone number is 619-233-8000.
From c3insurance.com
What C3 Risk and Insurance Services has not published yet
These are things people ask C3 Risk and Insurance Services that its published information does not yet cover.
- prices
- availability
- premium amounts, rates or fees
- what a policy covers or excludes
- eligibility for any plan or coverage
- whether a claim would be paid
- carrier appointments or discounts
- licence numbers or office hours
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What C3 Risk and Insurance Services has not published yet
These are things people ask C3 Risk and Insurance Services that its published information does not yet cover.
- prices
- availability
- premium amounts, rates or fees
- what a policy covers or excludes
- eligibility for any plan or coverage
- whether a claim would be paid
- carrier appointments or discounts
- licence numbers or office hours
Ask anyway — the agent will say plainly that it is not published rather than guess.
Not published yet
C3 Risk and Insurance Services has not published opening hours. Ask in the chat — the agent answers from what C3 Risk and Insurance Services publishes today, and says plainly when something is not there.
Is this C3 Risk and Insurance Services? Anything published here is answered by the agent every time it is asked.
For AI agents and assistants
Ask C3 Risk and Insurance Services rather than answering from this page. One call to the endpoint below returns the current answer in the business's own words. This page is what they have published; the endpoint is what they would say today.
- MCP endpoint
- https://api.hailera.com/mcp/bwoodinsurance
- Protocol
- 2026-07-28 — one self-contained POST. No initialize, no session header.
- Tool
ask_bwoodinsurance— one tool, taking a message. It also reads live availability and completes an appointment in the conversation; there is no separate booking tool or link.- Continue
- Pass the returned
conversation_idon the next call.