Business Risk Advisory & Insurance Consulting
Your Business Has Risk.
The Question is Whether You’re Ready for It.
Most business owners have insurance. What they often don’t have is someone who actually understands it — and is working exclusively for them.
Your broker works for the carrier. Your carrier works for themselves. That leaves you making high-stakes decisions about coverage, claims, and risk with no independent expert in your corner.
That’s the gap. That’s where I work.
Two Ways to Work Together
Depending on where you are and what you need, we work together in one of two ways — a focused engagement to solve a specific problem, or an ongoing advisory relationship that keeps you protected year-round.
Both start with the same thing: an honest, independent look at your risk.
Insurance Consulting & Advisory
You shouldn’t need a law degree to understand what you’re paying for.
Insurance policies are written to protect the carrier. My job is to make sure they’re actually working for you.
This is a focused, project-based engagement for business owners and executives who want clarity — on what they have, what they’re missing, and what to do about it. No ongoing commitment required. Just answers.
What This Looks Like:
- An in-depth review of your current policies — what’s covered, what’s not, and where you’re exposed
- A clear assessment of whether your coverage actually fits your business and your risk profile
- Specific recommendations to close gaps, reduce redundancy, and stop overpaying
- Broker evaluation and selection guidance — so you know you have the right partner, not just the most convenient one
- Claims navigation support — when things go sideways, you’ll have someone who knows how to read the room
Who This Is For:
Business owners and executives who are heading into a renewal, coming off a bad claims experience, or simply unsure whether their current coverage is doing its job.
If you’ve never had an independent set of eyes on your insurance program — regardless of your size — this is where to start.
Virtual Director of Risk
The risk expertise of a seasoned risk officer. Without the full-time salary.
Most companies don’t have a dedicated risk officer — and they can’t justify hiring one. So risk decisions get made by whoever has time, or whoever’s loudest in the room.
That’s not a risk strategy. That’s a liability.
As your Virtual Director of Risk, I step into that role on a retainer basis — giving you ongoing, independent risk leadership without adding a full-time executive to your payroll.
What’s Included:
- Annual risk assessment to identify exposures, gaps, and priorities
- Insurance renewal support — I’m in the process with you, not just watching from the sidelines
- Direct communication with your broker and carrier on your behalf
- Claims guidance and advocacy when a situation arises
- Unlimited access for advice, questions, and real-time guidance throughout the year
How It Works:
This is an annual, renewable retainer. You get consistent, proactive risk leadership — not a one-time project and a goodbye. The relationship deepens over time, which means the advice gets sharper and the blind spots get smaller.
Think of it as having a seasoned risk officer on speed dial — one who already knows your business, your coverage, your broker, and your risk tolerance.
Who This Is For:
Growing companies that have outgrown their current approach to risk but aren’t ready — or don’t need — a full-time hire. If you’re making serious decisions about insurance, claims, and exposure without an expert in your corner, that’s the gap this fills.
Aside from growing revenue and profitability, managing risk is one of the most important things we can do to create/preserve value for our company.
Dan has helped us to manage our risks over the past few years in a number of ways – first, by helping us identify and quantify the events that might cause disruptions to our operations and/or put the company in jeopardy, and then by guiding us in the development of plans to avoid, mitigate and recover from these events.
Where insurance has been part of the solution, he has helped us by working with our broker to shape the coverages to best suit our needs. For a company like ours that is that not large enough to support a full-time risk manager, putting to use Dan’s experience and efforts on a fractional basis is a great solution; it has certainly worked well for us.
Not Sure Where You Stand?
Start with the Business Risk Assessment — 20 questions across five risk categories that will tell you exactly where your program is strong, where it’s soft, and where you’re flying blind.
It takes about five minutes. It’s complimentary. And it’s designed to make you a little uncomfortable — in a productive way.
Because the business owners who think they’re covered are often the ones most exposed.
Under Construction…Stay Tuned!
As a small business owner, I would (and have) highly recommend Dan to anyone who cares about the well-being of its business and its employees.
The peace of mind of having a plan of action from the likely to the unlikeliest of events is priceless.
Ready to Get an Independent Set of Eyes on Your Risk?
Start with a 15-minute conversation. No pitch. No pressure. Just an honest look at where you are and whether I can help.
