Professional Directory

Joe Richards

Joe Richards

Risk Advisor | Commercial Risk Management Phone : 269-682-8849 Fax : 269-682-8843 Email :

Professional Experience

Joe is a Risk Advisor in Commercial Risk Management. He specializes in identifying, quantifying and bringing clarity around strategic, business, and hazard risk exposures. Utilizing the proprietary Gibson Protection System (GPS), he provides counsel and advice on complex business and people issues that extend far beyond the scope of an insurance policy. Prior to joining Gibson in 2018, Joe worked in the insurance industry for over 8 years, most recently at The Citizens Insurance Company, as a member of The Hanover Insurance Group. There he managed a team of middle market underwriters and underwriting technicians. He has gained experience in manufacturing, education, human service/non-profit, real estate, contracting, and technology.


  • Commercial Lines Coverage Specialist (CLCS)
  • Associate in Insurance (AINS)
  • Certified Authority on Workers Compensation (CAWC)

Community Involvement

  • Former Speaker, Hemophilia Foundation
  • Board of Directors, Gull Lake Youth Football
  • Volunteer, Salvation Army
  • Volunteer, Gull Lake/Richland Little League
  • United Way

Specialty Areas

  •  Risk Management
  • Manufacturing
  • Education
  • Wholesale
  • Non-Profit
  • Healthcare 
  • Technology
  • Real Estate
  • Contractingy


Olivet College | Bachelor of Arts