About The Insurance Coach

The Insurance Coach is the personal advisory platform of Joshua J. Amador Guadamuz, Founder & Principal Risk Advisor of Amador Risk Advisors.

Joshua has spent more than a decade in the insurance industry helping individuals, families, and business owners understand risk, evaluate coverage, and make more informed protection decisions.

His philosophy is simple: insurance should not begin with a product.

It should begin with understanding what you have built, what could disrupt it, and what needs to be protected.

That is why Joshua approaches insurance as an advisor and coach rather than simply a policy salesperson. The objective is to identify exposures, explain the consequences clearly, and build a protection strategy around the client’s actual priorities.

Through Amador Risk Advisors, Joshua advises clients across three interconnected areas:

Exposure I — Business Risk

Protecting the operations, property, vehicles, employees, liability exposures, and other risks that can disrupt a business.

Exposure II — Continuity & Succession Risk

Helping business owners prepare for the financial consequences of death, disability, the loss of a key person, ownership transitions, and other events that can threaten the continuation of the business.

Exposure III — Executive & Personal Risk

Protecting the personal assets, income, family responsibilities, and long-term obligations that exist outside the business.

These exposures are often reviewed separately. In reality, they are connected.

A business owner may have strong commercial insurance while leaving a major succession exposure unresolved. A family may have excellent home and auto coverage but inadequate income protection. An executive may accumulate significant assets without enough liability protection surrounding them.

The concern is not just the policy. It is what happens if the protection structure fails when it is actually needed.

Joshua’s role is to help clients see that bigger picture.