Insurance
for the modern age
Insurance
for the modern age
Delivering a timeless, first class experience by integrating cutting-edge technology to reduce risk and ensure peace of mind.
Access to the world’s most incredible markets
Access to the world’s most incredible markets
There's luxury to peace of mind
Opulent Risk & Insurance Services was founded to deliver a first-class, boutique experience tailored to the Southern California insurance market. Based in Carlsbad, CA, we offer private client insurance solutions and commercial insurance services to families and businesses across California and nationwide.
Personal Insurance Services
Our comprehensive and simple process delivers results
Start online, call or text
Connecting and collaborating with us is straightforward and effortless.
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Coverage analysis
Our team reviews your current insurance portfolio to uncover gaps and strengthen your asset protection.
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Power of choice
Compare proposals from multiple carriers and select the best package for your family.
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Auto
Private client auto insurance, expertly tailored for high-value vehicles and discerning drivers—offering exceptional protection and service.
Quick Response Time
Call, Text or Email
Homeowners
Protect your home with our specialized homeowners insurance for private clients. Enjoy tailored coverage and exceptional service to keep your most valuable assets secure.
We Have Options
10+ Exclusive Markets
Umbrella
Strengthen your coverage with umbrella insurance providing extra liability protection and added peace of mind.
Underinsured families for liability
40 %
Commercial Insurance Services
Safeguarding What Drives Your Success
Auto
Protect your business on the road with our comprehensive commercial auto insurance, offering tailored coverage for your vehicles and drivers.
Commercial Property
Safeguard your business assets with our reliable commercial property insurance, offering protection against damages, theft, and unexpected events.
Cyber
Protect your business from digital threats with our comprehensive cyber insurance, offering coverage against data breaches, cyberattacks, and other online risks
Directors & Officers
Safeguard your leadership team with our Directors and Officers Insurance, providing critical protection against legal risks and personal liabilities.
General Liability
Protect your business from costy claims with our general liability insurance, covering accidents, injuries, and property damage.
Workers Compensation
Ensure your employees are covered with our workers compensation insurance, providing protection for workplace injuries and medical expenses.
Helpful Articles
Insights, tips, and updates
Wildfire Risk in Rancho Santa Fe: How to Protect Your High-Value Home
Jun 2, 2025
Wildfire Risk in Rancho Santa Fe: How to Protect Your High-Value Home
Jun 2, 2025
5 Essential Coverages for High-Value Homeowners in California
May 26, 2025
5 Essential Coverages for High-Value Homeowners in California
May 26, 2025
What is Umbrella Insurance and Why Every Rancho Santa Fe Homeowner Needs It
Apr 28, 2025
What is Umbrella Insurance and Why Every Rancho Santa Fe Homeowner Needs It
Apr 28, 2025
Rancho Santa Fe Homeowners: What to Expect from the 2025 Insurance Market
Jun 3, 2025
Rancho Santa Fe Homeowners: What to Expect from the 2025 Insurance Market
Jun 3, 2025
How California’s Insurance Market is Shifting for Luxury Homes
Jun 3, 2025
How California’s Insurance Market is Shifting for Luxury Homes
Jun 3, 2025
Get in Touch
Contact Now
Safeguard your future with a customized insurance solution. Connect with us to begin your consultation.
Copyright © 2024 Opulent.
All Rights Reserved
Copyright © 2024 Opulent.
All Rights Reserved
Copyright © 2024 Opulent.
All Rights Reserved