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About Our Company

Ed Ritch

Insurance Broker | License #0626102 | Email

Ritch Insurance was started in 1984 by Ed Ritch. A native Californian, Ed traveled an unusual route to become one of the country's leading insurance brokers. Following graduation with a Bachelors of Arts in Social Welfare at California State University, Chico, he applied his educational background as a social worker in a residential treatment home for emotionally disturbed children. While the work was certainly satisfying, somehow it didn't seem a right fit for Ed, the consummate gregarious "people person."

He decided, instead, to try his hand at insurance – even though he had never been involved in a sales job before. More than two decades later, the compassion and commitment to helping others has found Ed with a cadre of appreciative clients, who value his unique sense of "heart" along with his keen analytical skills which he uses to advise and advocate on their behalf.

Colby Ritch

Insurance Broker | License #0D04738 | Email

Colby joined his father full-time in 2003, focusing primarily on Life and Health Insurance benefits. He graduated from California State University, Chico with a Bachelors of Science degree in Business, majoring in Marketing. During his junior and senior years at Chico, Colby sold life insurance after becoming licensed in 2000.

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Why Choose Ritch Insurance

Insurance is a part of everybody's life.

At 16 years of age, you’re introduced to insurance when you learn how to drive. Adulthood widens your exposure to the insurance world: Health, property, life, disability, long-term care, Medicare supplemental insurance, and much more. All the premiums are a monthly reminder that you must plan ahead and prepare for all of life’s contingencies.

But knowing that you must take the steps to insure yourself and loved ones can be a daunting task. We’re here to say … you are not alone. Ritch Insurance provides personal insurance consultation, working with clients to determine their needs and finding the best coverage ... no matter what type of insurance.

Think about it … why would you call 5 or 10 insurers and try to figure out the best policy? How would you begin to differentiate concepts such as:

  • Terms
  • Exclusions
  • Riders
  • Deductibles
  • Premiums

We’re the experts. As brokers, Ritch Insurance has access to hundreds of insurers and knows the nuances of the policies to match our clients’ needs with the coverage. For example, disability insurance policies are filled with fine print limiting payouts. We’ll make sure you are completely informed about the terms and understand the exclusions two receive the benefits that are entitled to you.

And finding the right insurance coverage is just the beginning. When something actually happens and you need to make a claim, we’ll be there to help. Nothing is worse than having to fight your insurer on your own – having us in your corner will be a major asset.

As you can see, every customer is important to us. We provide very personalized service and will help with any problem or question to include: billing, claims processing, insurance denials, finding physician/dentist in an area, etc.

Again, you’re not alone as long as you work with Ritch Insurance.

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01. 01. 09
Lou Bachus, Retired District Mgr.

"When I bought my disability insurance through Ed, I appreciated the way he patiently walked me through what is inherently a pretty tedious process.

But when I had to actually file a claim, I really depended on Ed because initially the company was reluctant to pay. It reminded me of John Grisham's book, (Rainmaker) and scared the daylights out of me! But Ed called the company and got everything sorted out and handled. He does an excellent job!...


06. 10. 09
Diane Cate, Management Consultant

"Ed's great. He's handled a variety of insurance for my husband and I for years. Not only do I appreciate the way he's so responsive in always getting back to us quickly, but he truly goes "above and beyond" in terms of his overall service...