Founded in 1985 and headquartered in Houston, Texas, American Risk Insurance Company, Inc. operates as a commercial property and casualty insurer. The company specializes in providing a range of insurance products and services tailored for businesses, which are distributed through a select group of independent insurance producers. Originally a subsidiary of Houston International Insurance Group (HIIG), it is now a member of the Tokio Marine HCC group of companies, a leading specialty insurance group.