5.0 on Google · Independent insurance · Queen Creek, Arizona480-613-8387
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About PrimeRisk Insurance Solutions: Built on a real conversation.

I’m Kody Houk, Founder & Principal of PrimeRisk Insurance Solutions, an independent agency in Queen Creek, Arizona. I work with contractors, tradesmen and the business owners who don’t have time for insurance runaround. You get straight talk, options you understand and a broker who picks up the phone.

Kody Houk, Founder and Principal of PrimeRisk Insurance Solutions
Kody HoukFounder & Principal · Queen Creek, Arizona

WHY PRIMERISK EXISTS

Some of the hardest-working people in Arizona carry the weakest insurance.

Roofers. Plumbers. Framers. Movers. People who built real companies out of a truck, a phone number and a willingness to outwork everybody around them.

They aren’t careless. They’re busy. Somebody sells them a policy on price, emails a certificate and never calls again. Nobody reads the exclusions with them. Nobody checks the policy against the contract they signed last week.

Then a claim hits, and they find out the coverage they paid for every month was never built for the work they actually do.

PrimeRisk exists to be the broker you’d want if you were running the crew. Someone who talks straight, knows the trades, reads the fine print before it matters and stays in your corner after the policy is sold.

That’s the whole job. Understand the work. Read the contract. Compare the options. Pick up the phone when you call.

WHAT WE BELIEVE

Four rules we run this agency by.

Every conversation starts here, whether you run a two-person crew or a growing fleet.

Your business comes first.

We start with what you do, the people you employ, the equipment you rely on and the responsibilities you take on. That context gives meaning to a policy comparison.

Look beyond the premium.

Price matters. So do the operations covered, exclusions, deductibles, limits and endorsements. We help put those details into a conversation you can use to make a decision.

A certificate isn’t a policy.

The real story lives in the forms and endorsements. We read them with your contracts on the table and explain them in plain English.

Keep us in the loop.

Insurance needs can change when your business changes. Let’s talk when you take on different work, grow your team or add vehicles and equipment.

MEET KODY HOUK · FOUNDER & PRINCIPAL

A conversation about the work behind your business.

Kody Houk is the Founder & Principal of PrimeRisk Insurance Solutions, an independent agency based in Queen Creek, Arizona. He is the author of The Blue Collar Business Insurance Blueprint, and his articles in our Learning Center address contractor insurance, moving-business risks, cyber insurance, and technology errors and omissions.

Bring the details that make your business different: the jobs you accept, your contracts, your crew, and the systems you rely on. Those details give us a starting point for discussing policies, exclusions, limits, and questions to put to insurers.

For roofing businesses, the Roofing Risk Roadmap gives the coverage conversation a dedicated focus. We also welcome cyber and technology insurance conversations from businesses across industries, including marketing and lead-generation companies.

Outside client work, Kody coaches independent agents through the Commercial Insurance Blueprint and REAL Insurance Training. Faith, family and early workouts keep him grounded, and the same discipline shows up in how he handles your account: do the hard part first and don’t cut corners when nobody’s watching.

WORKING WITH PRIMERISK

What you can count on.

  • A person who knows your file.You talk with Kody and the PrimeRisk team, not a call center.
  • Plain-English coverage conversations.What’s covered, what isn’t and what it would take to close the gap.
  • Options, compared honestly.Coverage and cost side by side, with the trade-offs explained.
  • A heads-up before renewal.Time to review changes so you’re not deciding at the last minute.
  • An honest no.If we’re not the right fit, we’ll tell you.

Based in Queen Creek.

21168 E Ocotillo Rd #1140
Queen Creek, AZ 85142

IN OUR CLIENTS’ WORDS

The cheapest option wasn’t covering them

★★★★★
…He cares about his clients and make sure they are properly educated about their insurance and make sure your covered properly. He takes the time to explain the value of being properly covered and not taking the cheapest options others offer that do not properly cover your insurance needs…
Nicholas BigelowGoogle review · Mar 2025

No junk they didn’t need

★★★★★
Kody with PrimeRisk Insurance is the best in the Valley. He is not the typical salesman... He knows the insurance business and will not waste your money and time with junk you do not need.
Michael the Travel GuyGoogle review · Feb 2025

Word for word from our Google reviews. “…” marks where we shortened a review for length. Read every review on Google ↗

LET’S GET TO WORK

Don’t wait for a claim
to read your policy.

Get my quote Book a call

New coverage or a second look at what you have.

Prefer a conversation? 480-613-8387