About Us

The Company

American Risk Services was founded in March, 2008 by David M. Neary, David E. Pendery and Robert Simpson III, with over 75 years of combined experience in the financial services industry. We are an insurance broker, risk management firm and administration company focused on providing solutions for the financial services industry, holding insurance licenses in all 50 states.

ARS is located in Cincinnati, Ohio.

Our Core Product Offering

  • Excess Wear & Tear (EWT) Insurance
  • GAP Insurance
  • Collateral Protection Insurance (CPI)


American Risk Services functions as an agency, an administrator, and a reinsurance company. We specialize in risk management products and services designed to protect the assets of financial institutions. Our specialization also includes fee income products that are sold through automotive dealers, finance and insurance departments, and bank branches.

We partner with financial institutions to make products that meet their needs.
We partner with insurance companies to share the resulting loss exposure.

We cultivate lasting relationships with our clients by examining the unique needs of individual institutions, developing a thorough understanding of the requirements of each respective client, and tailoring business solutions to address these specific needs and requirements.


Robbie Russell – Operations Executive