NIADA Vendor Guide
Serving Quality Independent Automobile Dealers Since 1946

American Risk Services LLC


American Risk Services (ARS) is 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 specializes in providing products and services to the Buy Here Pay Here, Lease Here Pay Here and Subprime lending industries.


  • Is greatly client focused providing a high degree of hands on face to face interaction with our experienced field managers
  • Is very compliance oriented, utilizing the latest forms, policies, customer notifications, and procedures to exceed state regulatory requirements
  • Is integrated with the most widely used DMS systems for seemless processes, workflows, and program reporting
  • Incorporates best practices developed in cooperation with our clients for many years to enable better performing programs
  • Leads the industry in claims adjudication speed and accuracy
  • Is a solid, well positioned company to serve clients. ARS employs the highest data security standards, is financial secure with audited financial statements, and consistently participates in state regulatory reviews.



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.


1130 Congress Ave
Cincinnati, Ohio 45246
United States of America

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