Company Overview
Discover the Elevated Risk Solutions Difference
Simply put, we are insurance experts specializing in breweries, restaurants, bars, and cannabis businesses. Our team has decades of experience analyzing businesses and devising elevated risk solutions. It doesn’t stop there. We have industry experience in fitness, main street businesses, commercial properties, entertainment, manufacturing, construction, and many other sectors. In addition, we offer personal lines insurance for individuals seeking to enhance their financial situation. Let us save you money on your auto and home insurance. We are creatives who strive to find the right solution for you.
Josh Havlik
Lead Risk Advisor
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Our Risk Advisors
Meet the Experts
Lead Risk Advisor
Josh Havlik
Josh Havlik has spent most of his 17-year career studying insurance to understand better the intention behind coverage and the insurance rate structures for liability, property, and workers’ compensation. He aims to create better outcomes for his clients. Josh is a leading voice in the brewery insurance market and is very involved with the MN Craft Brewers Guild, the MLBA, and the emerging Cannabis market. Outside of work, Josh is passionate about being a good husband, a dad to his five kids, playing hockey, and drinking craft beer.
Risk Advisor
Katie Leech
Katie Leech is our office manager, insurance certificate coordinator, and expert in personal lines. She is a Colorado native and is passionate about the Cannabis industry.
Risk Advisor
Marilyn Havlik
Marilyn Havlik is our commercial lines account manager, working diligently behind the scenes to ensure that our clients receive the best possible customer service. She manages most of our new business and insurance policy renewals. Marilyn, Josh’s sister-in-law, is passionate about spending time with her family, her church, and her friends.
Risk Advisor
Stephanie Beckmann
Stephanie Beckmann has 12 years of experience helping Bars and Restaurants find the best insurance solutions to meet their needs and is our resident expert on all things liquor liability. She can provide on-site liquor training to our clients at no charge. Stephanie is passionate about horses and can also assist with equine risks.
