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      <image:title>About - Our History</image:title>
      <image:caption>In 2005, Bobby Kitchen and Steve Molina partnered to create and build Risk &amp; Insurance Consultants (R&amp;IC). With a passion for insurance and for serving the customers who need it, by 2006 R&amp;IC was officially formed. R&amp;IC was founded on the principle that educating customers makes them more knowledgeable insurance consumers. With this new understanding, R&amp;IC can work hand-in-hand with the customer to develop a long-term strategy around their insurance program. They started working out of a 174 square foot office until the addition of the first team member had the group occupying two small offices. One team member eventually became many as the agency expanded its products, services, and geographic reach. Now, R&amp;IC serves clients across the country! It is with humble gratitude that we as a company have the opportunity to continue to help more clients thanks to the referrals received and see the R&amp;IC family continue to grow.</image:caption>
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      <image:title>About - Our Mission Our mission is to serve every client with desire, a positive attitude and commitment. We want each of our clients to think of Risk &amp; Insurance Consultants as their professional advisor and advocate. Our goal is to provide outstanding asset protection within the client’s budget, along with unsurpassed customer service. We have a broad understanding of the many insurance products available, and how to best match the complexities of each to our customers’ needs. We are not salespeople—we are professional insurance advisors.</image:title>
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      <image:caption>The foundation of our agency is to glorify God in all we do. We are dedicated to integrity, honesty, diligence, and stewardship, always striving to do what is right for our customers in every circumstance. These guiding principles shape our core values, R.I.S.K.: R – Relationships Our pursuit of lasting partnerships drives our mission. Even as technology evolves, we remain accessible, responsive, and personally engaged. Our dedication extends to all our stakeholders and the communities we serve. I – Integrity We are unapologetic in our commitment to do what is right, regardless of the circumstance. By upholding honesty, discretion, accountability, and consistently honoring our promises, we provide assurance to those we serve and build sustainable relationships based on trust. S – Stewardship With stewardship at our core, we are driven by a sincere desire to serve with excellence and put clients’ long-term interests first. Our people-focused team goes the extra mile, responding quickly and personally, and always guiding with care, consistency, and integrity. K – Knowledge Impactful, relevant knowledge drives us forward. By tracking the latest developments across the insurance industry, legislation, and technology, we equip every client with timely, practical advice tailored to their unique situation.</image:caption>
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      <image:title>Bobby Kitchen</image:title>
      <image:caption>Bobby started in the industry in 1983 at Safeco Insurance and his career advanced quickly from there. Between 1983 &amp; 1998, Bobby held multiple managerial positions which ultimately led to his final position as the President of Safeco Select. In 1999, Bobby returned to the south and accepted an offer with Georgia Casualty to lead the insurance company as its President.</image:caption>
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      <image:caption>Ron Harris has 20 years of management experience with publicly traded companies including TRW, Inc., General Electric/GE Capital, and Convergys Corporation. Ron started his professional career in Banking as a Commercial Loan officer.</image:caption>
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      <image:caption>Need Personal Coverage? Click Here.</image:caption>
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      <image:caption>Not sure where to begin? Contact us.</image:caption>
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      <image:title>Steve Molina - more about Steve…</image:title>
      <image:caption>Steve began his career as an environmental consultant for government and private industry clients. His success in this arena transitioned seamlessly to the insurance industry in risk management and loss control.</image:caption>
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      <image:title>Collin Barber - Learn more about Collin by clicking here</image:title>
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      <image:title>Tyler Buford - more about Tyler…</image:title>
      <image:caption>Tyler Buford, CIC, has more than 16 years of commercial insurance experience, primarily focuses on developing unique, comprehensive programs that meet the risk management needs of his clients</image:caption>
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    <loc>https://www.riskandinsuranceconsultants.com/gerald-allen</loc>
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      <image:title>Gerald Allen - more about Gerald…</image:title>
      <image:caption>Gerald Allen began his insurance career at Risk &amp; Insurance Consultants after graduating from College with a degree in Business Administration. While working as Service Representative in Commercial Lines, Gerald established relationships with his clients and managed a large book of business that ranged from</image:caption>
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    <loc>https://www.riskandinsuranceconsultants.com/dana-dorris</loc>
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      <image:caption>Learn more about Dana by clicking here</image:caption>
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      <image:title>Mitchell Molina - more about Mitch…</image:title>
      <image:caption>After graduating from the University of Georgia with a degree in Political Science, Mitchell spent close to 5 years with our sister company Applied Risk Solutions. On the risk management side of the insurance industry, he assisted insureds with managing their total cost of risk through innovative safety/loss control programs &amp;</image:caption>
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      <image:title>Resources</image:title>
      <image:caption>Need Personal Coverage? Click Here.</image:caption>
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      <image:title>R&amp;IC Of North Georgia</image:title>
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  <url>
    <loc>https://www.riskandinsuranceconsultants.com/dan-bearden</loc>
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    <lastmod>2026-03-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/615e0ff8bd565329534675f0/fd3bace0-e8bc-4f5c-b2d0-1732a4c8ef25/DSC00075+smaller.jpg</image:loc>
      <image:title>Dan Bearden - more about Dan…</image:title>
      <image:caption>Dan graduated from the University of Georgia with a Business Degree majoring in Risk Management &amp; Insurance. Dan jumped headfirst into the industry after graduating and spent 15 years as an Employee Benefits Consultant.</image:caption>
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    <lastmod>2026-03-20</lastmod>
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    <loc>https://www.riskandinsuranceconsultants.com/yvette-ljones</loc>
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      <image:title>Yvette L. Jones - more about Yvette…</image:title>
      <image:caption>Yvette L. Jones has helped families and businesses by providing needs-based insurance products since September 2000 in Orlando, Florida. Yvette retired in 2023 and in 2025 she came out of retirement to help launch the North Carolina division of Risk &amp; Insurance Consultants, in Durham, NC. She brings over 35 years of Personal Lines and Commercial Lines underwriting, Operations Training, Public Affairs and Insurance Sales experience with her.</image:caption>
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  <url>
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