About Us
What is a Legacy?
It’s the success we create. The difference we make. The impact we have that lasts long after we’re gone. At Legacy Risk & Insurance, our success has been forged by always being there for our clients. And never losing sight of true and timeless values. Honesty. Integrity. Respect. In the process, we’ve found that we become much more to our clients than the people who write policies. We become partners — trusted advisors who provide solutions as unique as the individuals they protect. But what’s most impressive is that as our partnerships grow, our service deepens. We act with a confidence borne of knowledge. Anticipate with a vision sharpened by experience. And in the end, work as one to build something true and lasting for our clients. Their legacy.
1929: Paul Higgins founds independent insurance brokerage business, Paul Higgins Insurance Agency.
1959: Paul’s son, Frank Higgins, joins his father in leading the family business.
1971: Frank purchases his father’s interest and starts California Insurance Center (CIC).
1991: Cory Higgins follows in the footsteps of his father and grandfather, becoming a managing partner.
1997: Dan McCormick joins CIC, focusing on the brokerage side of the business.
1999: Dan is named partner in charge of managing sales, carrier relationships and business operations
2000: Cory rises to become the CEO of CIC, with Dan named President. Together, they grow the business into one of the largest and most reputable brokers in California.
2008: Cory and Dan merge CIC with a national, publicly traded brokerage company.
2012: Deciding to return to their independent roots, Cory and Dan purchase their commercial clients and co-found Legacy as an independent insurance brokerage, with a commitment to outstanding client service.
Today: Legacy Risk & Insurance continues its ongoing success through superior solutions and industry-leading service.
Investment advisory services offered through Alera Investment Advisors, LLC. Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
Resources
CLAIMS
We pride ourselves on delivering exceptional claims services. Our trusted advisors will work with you before a loss occurs to develop a tailored prevention program, and conduct reserve reviews before WCIRB experience modification calculations to assist you in your budgeting.
When a loss does occur, our seasoned claims advocates are available to assist and advise you through the claims process, from gathering information to facilitating disputes. We monitor open claims and meet with clients on a quarterly or monthly basis to ensure they are being handled quickly.
We also recognize the importance of an immediate response to emergencies and provide 24/7 Emergency Claims Reporting direct to our claims advocates.
- 24 Hour Emergency Claims (925) 482-1043
- Debbie Evans: (510) 301-1136
- Debbie Beasley: (925) 330-0133
- claims@legacyrisk.net
To file a claim, please call (925) 482-1000 or fill out one of the forms below. Providing the adjuster with as much information as possible is helpful in expediting the claims process.
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EXPERT EDUCATION
Events and Webinars
Employee Benefits
The Compliance Pathway Q2
Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.
May 14, 2026 at 01:00 pm CT | Virtual
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Employee Benefits
Benchmarking That Drives Decisions: Why Averages Mislead — and What Best-in-Class Data Reveals
A clear, data-driven view of the 2026 employee benefits landscape grounded in benchmarking results.
June 16, 2026 at 01:00 pm CT | Virtual
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Employee Benefits
GLP-1s at Scale: Why Weight-Loss Drug Decisions Are Now a Financial Strategy
A GLP-1 decision framework plus scenarios.
July 21, 2026 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
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Are you prepared for 2026? Property and Casualty Trends Uncovered
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December 17, 2025
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