Eric Schirding
Co-Founder
[email protected]
626-204-6985
Eric, a La Canada native, graduated with a degree in Business Management from Cal-State Northridge before embarking on a career in the insurance industry. Beginning as an underwriter for a reputable insurance carrier, he swiftly transitioned to the retail sector, accumulating valuable experience over four years.
Joining United Western Insurance Brokers in 2009, Eric played a pivotal role in the establishment of UWIB Risk, Inc. in 2022, expanding their services nationwide. Specializing in partnering with middle market companies, Eric focuses on enhancing their profitability by implementing Total Cost of Risk (TCOR) principles. Renowned for his dedication and energy, Eric prioritizes building lasting relationships with clients, striving to provide comprehensive solutions and resources. Outside of work, he and his wife enjoy traveling, sports, and socializing with friends from their home in Glendale, CA.
News & Insights
- Published on: October 26, 2025Education
Understanding Small Business Cyber Coverage Basics
In today’s digital landscape, small businesses are increasingly vulnerable to cyber attacks. As online threats grow in sophistication and frequency, understanding the basics of cyber insurance becomes essential for safeguarding your business. Cyber coverage is not just a luxury; it has become a necessity for organizations of every size....Read More - Published on: October 24, 2025Education
Certificates of Insurance (COIs): What Clients Actually Need
In today's dynamic business landscape, ensuring that you are adequately protected while engaging with contractors or service providers is paramount. One essential tool that clients, particularly those who may be newcomers to the insurance landscape, should familiarize themselves with is the Certificate of Insurance (COI). This document not only serves as proof of insurance coverage but also plays a crucial role in risk management for businesses and individuals alike. In this article, we’ll delve into what COIs are, why clients need them, and the key elements to look for in this important document....Read More - Published on: October 18, 2025Education
Understanding Per-Project Aggregate vs. Per-Location Aggregate in Insurance
When navigating the insurance landscape, particularly for businesses in the construction and contracting industries, understanding the differences between per-project aggregate and per-location aggregate coverage is crucial. Both options are designed to limit the liability exposure for different projects or physical locations, but they operate in fundamentally different ways....Read More - Published on: October 16, 2025Education
Navigating Premises Liability and Seasonal Staffing Risks in Retail
As the retail landscape evolves, the seasonal surge in customer traffic, especially during holidays and promotional events, poses unique challenges and responsibilities for retailers. Alongside the benefits of increased sales, this busy period brings heightened premises liability and staffing risks. Understanding these factors is crucial for business owners, especially those who may be new to the insurance landscape or operating their first store. Let’s explore how premises liability impacts retail operations and the specific risks associated with seasonal staffing....Read More - Published on: October 14, 2025Education
Loss Control Visits: What to Expect and How to Prepare
Navigating the world of insurance can often feel daunting, especially for those new to the process. One essential component of risk management that every insurance novice should be aware of is the loss control visit. This process is a cornerstone of proactive risk reduction strategies employed by many insurance companies. Understanding what to expect during a loss control visit and how to prepare can greatly enhance the experience and outcomes for your business....Read More - Published on: October 13, 2025Education
Business Owner’s Policy (BOP) vs. Standalone Policies: Making the Right Choice for Your Business
Navigating the world of business insurance can be daunting, especially for new entrepreneurs or small business owners. One critical decision they face is whether to opt for a Business Owner’s Policy (BOP) or to invest in standalone policies. Understanding the differences and advantages of each can not only safeguard your enterprise but also ensure that your resources are utilized effectively....Read More - Published on: October 10, 2025Education
Commercial Auto Risk Management for HVAC Companies
In the dynamic world of HVAC (Heating, Ventilation, and Air Conditioning) businesses, effective risk management is essential, especially regarding commercial auto operations. These vehicles are vital to daily business activities, from transporting equipment to responding to service calls promptly. This blog will delve into the importance of commercial auto risk management specifically tailored for HVAC companies, examining strategies to safeguard your operations, reduce risk exposures, and enhance overall safety....Read More - Published on: October 8, 2025Education
When to Increase Liability Limits on Auto Insurance
Understanding auto insurance can be daunting, especially for those new to the world of insurance. One critical aspect that often requires attention is liability limits. Knowing when to increase these limits is essential for maintaining adequate financial protection while driving. In this article, we’ll explore the importance of liability limits on auto insurance, the circumstances that necessitate their increase, and how higher limits can better protect you in various scenarios....Read More
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