Risk and Insurance Services

Benefits Planning
Field-Waldo Insurance Agencies, Inc.
Benefits Planning
Benefits Planning
Consulting & Risk Management
Farm Income Protection
Captive Insurance
Captive Insurance
Waldo Real Estate
Waldo Real Estate
UDrive Benefits
Family Business
Family Business Planning


Making your organization attractive to insurance carriers so that you receive the most favorable rates possible.



Once we have assisted you in putting together a risk reduction and benefits plan, we can represent your business in its very best light to the insurance marketplace.

  • Workers Compensation
  • Property & Casualty
  • Group and Individual Medical, Dental, Vision
  • Disability Life Insurance
  • Professional Liability
  • Directors and Officer Programs

We are not beholden to any particular insurance company. Each year, we place insurance with over 100 different carriers.

Our unique process is designed to help you identify and manage risk. The first step is our Executive Briefing, which will show you how our process works and has benefited others. There is no cost for the Executive Briefing for qualified organizations. To schedule an Executive Briefing, please contact us at (541)372-5301.

Commercial Insurance

We offer insurance packages designed for a variety of businesses:

  • Agri Business/Produce Packaging
  • Farm
  • Whole Farm Revenue Products
  • Crop Hail policies
  • Retail/Wholesale Business Packages
  • Manufacturing
  • Municipalities
  • Non Profits
  • Directors and Officers
  • Professional
  • Contractors
  • Bonds
  • Commercial Auto including Truckers
  • Workers Compensation
  • Umbrella Liability
  • Captive Insurance Structures

Policies are designed after an Executive Briefing with our team where we discuss and develop a 4 step process of Discovering RiskDesigning SolutionsImplementation and Monitoring.

We look forward to working with you as a Trusted Advisor. Contact one of our team members so we can arrange to meet with you.

Billie Pearcy
Licensed Agent
Ellen Martinez
Farm & Commercial Specialist
John W. Forsyth
Vice President
Kim Speelman
Licensed Agent
Ray E. Waldo
Vice President
Scott Bahem
Licensed Agent

Farm Income Protection

Farm Income Protection

Our agency has always believed in the necessity for income-based crop relief, and we’ve been involved with farm income protection programs for decades. Together with our clients and carriers, Waldo Agencies has played a part in bringing revolutionary insurance products to the growers in this community.

Many farmers may not know which insurance products are right for them, which products they’re qualified for, or whether support might be available. Our agents have experience navigating the often-complicated world of crop insurance. We count it a privilege to provide the farm community with access to protection against multiple types of risk – be they crop or market-related.

Non-Discrimination Statement

Our ag related products include:

  • Whole Farm Revenue Insurance
  • Multi-Peril Crop Insurance
  • Captive Insurance
  • Risk Assessment
  • Crop Hail/Fire/Windshatter
  • Range Fire (Pasturage)

Captive Insurance

An alternative insurance strategy that puts you in the driver’s seat.

We offer insurance packages designed for a variety of businesses:
  • 831 A, 831 B
  • Consulting
  • Planning
  • Management
Captive Insurance

In some industries, the natural evolution of insurance has been to self-insure by creating a Captive Insurance Company. This separate business entity is:

  • Wholly owned and controlled by the insurance company
  • Designed to return underwriting profits to the insured company
  • Able to provide the same protections a typical insurance company will

Is it time to talk about owning your own insurance company?

Captive Insurance companies are considered by many to be a forward-looking method of insuring a business, with potential for serious long-term benefit. Our consultants can provide the education, tools and guidance necessary to execute the Captive strategy.

Benefits Planning by Waldo Insurance Inc.

Helping you take control of the issues that are affecting the cost of benefits by improving over-all employee health.

We offer insurance packages designed for a variety of businesses:
  • Group Health, Life, Vision and Dental
  • Voluntary (AFLAC, other)
  • Self-Funding
  • Health Insurance
  • Life Insurance
  • Disability Insurance
  • Medicare Supplement
Benefits Planning by Waldo Insurance Inc.

Employee benefits are not conducted in vacuum. Benefits impact all areas of your business. In our process, we discover the purpose of your plan. Why do you provide benefits? To improve:

  • Employee turn-over
  • Employee productivity
  • Employee job satisfaction
  • Absenteeism
  • Employee health and wellness

Good benefits gives you control over the areas you actually can control. That puts you or your company at a different level with insurances companies because you have put processes in place that are reducing exposure. In short, you became a partner with the insurance company in reducing over-all benefits costs.

The first step is an Executive Briefing to see if your organization qualifies for our process. To schedule this no-cost review, please contact us at 800-829-0305.

Mae Hawkins
Udrive Benefits Coordinator
Mike Ward
Benefits Manager
Phaedra Anderson
Risk Management Specialist
Trisha Seese

Consulting & Risk Management

Revealing the risks in your organization that are affecting your bottom line and helping you manage them. Providing sound judgment, advice, and opportunity in areas of uncertainty.

·Risk Assessment ·Risk Planning ·Business ·Farm

Consulting & Risk Management

Risk Management and Planning

We have discovered that from 30% - 50% of the risks businesses face are insurable in the commercial insurance market.

We have a unique, licensed process that helps our clients identify the risk issues they face in their day-to- day businesses. The primary purpose of our process is to narrow down the most urgent issues that you need to work on. The ultimate goal is to produce a plan that helps reduce the total cost of risk - and makes you attractive to insurance companies. In addition, our process helps you control the factors that are driving the total cost of risk, including the cost of insurance.

Our process reviews 21 specific areas of your business, including critical issues such as:

  • Employee turn-over ratios
  • Customer satisfaction
  • Safety incidences
  • Unknown liability issues
  • Business continuity and disaster recovery issues


How does a business address the risks it can’t insure? Often, our professionals will uncover these issues as a result of exposing your insurable liabilities. Our philosophy is to deal with those risks as well, rather than ignore them. Sometimes these issues are familiar, but uncomfortable to think about, unquantifiable, or are seen as an unavoidable cost of doing business.
Our consultants have the ability and the acumen to help:
  • Uncover and assess the impact of risk
  • Develop clear Mitigation or Avoidance strategies
  • Develop a strategy to turn potential risk into profit
  • Provide access to our network of specialized professionals
  • Assess the long-term impact of action or inaction

Family Business Planning

Family Business Planning
  • Family Business Planning
  • Family Meeting
  • Estate Transfer Planning
Preparing your multi-generational business for the future.

Chances are good that if you own your own business, be it small, mid-size, or large, your heirs have an interest in keeping it alive. How do you transform your business into a legacy that provides for future generations?

Less than Three Percent of family businesses survive the transition beyond the 3rd generation.

So often, we see our clients sell their family business, not because of disinterested heirs or a bad couple years, but because a thoughtful, practical transition plan was not developed or executed properly. While selling may be what you want to do, you shouldn’t be forced to sell.

Our consultants are actively helping family businesses plan for their next generational transition.

We can help you too.

  • Formal family meetings to focus on the future while preserving the past
  • Strategies to avoid legal pitfalls and devastating tax events
  • Training in professional business practices and acumen for next generation members
  • Team building, realistic goal-setting and results-based planning

UDrive Benefits

UDrive Benefits

UDrive Benefits™ is the result of a new way of thinking about Risk. We believe that in order for employers to manage health care costs, you must establish strategic objectives, and then identify your risks.

  • Private Industry
  • Public Entities
  • Captive Opportunities

Learn More...

David M. Waldo
Dustin Grant
Licensed Agent
Mae Hawkins
Udrive Benefits Coordinator
Phaedra Anderson
Risk Management Specialist

Real Estate

Real Estate
  • Farm
  • Ranch
  • Home
  • Acreage

Learn More...