At Riggs, Counselman, Michaels & Downes, the way we see it, we’re really in the business of managing your risk and maximizing your opportunities in today's insurance and financial markets. Whether that risk be to your business, your financial assets, or to you or your employees, our job is to help you sidestep the pitfalls that are inherent in running your company or managing your personal affairs. For us, that's business as usual. From our headquarters in Baltimore, Maryland, United States of America, to our clients around the world, our large staff of insurance, risk management, and employee benefits professionals consult, plan, and administer a complete range of property/casualty, life, health, and accident-related insurance coverage, and employee and executive benefits programs. Through our subsidiary, Self-Insured Services Company (SISCO), we specialize in servicing the needs of our self-insured clients...All are designed to manage risk and maximize value.