Objective Risk Intelligence & Disaster Resilience for Public Entities & Complex Risks.
Independent, fee-only risk management consulting, actuarial oversight, and hazard modeling — free from broker conflicts of interest. Over 30 years of objective advisory, free from commissions and sales conflicts.
Capabilities
Specialized Practice Areas
Precision decision analysis designed for procurement officers, city managers, school district risk directors, and insurance underwriters.
Public Entity Risk & Pooling
Comprehensive evaluation of Joint Powers Authorities (JPAs), Risk Retention Groups, and self-insured public pools.
- Retention limit evaluations
- Statutory immunity & liability review
- Allocation model auditing
Disaster & Catastrophe Modeling
Designing, implementing, and administering natural-hazard contingency plans — including wildfire (WUI), earthquake, and pandemic impacts.
- Physical hazard loss modeling
- Business continuity planning
- Emergency cost-recovery design
Actuarial & Financing Reviews
Supervising actuarial projections, reserve funding, alternative risk financing, and captive feasibility assessments.
- Loss reserve adequacy reviews
- ART & captive structure design
- Risk-transfer contract optimization
Claims & Underwriting Audits
Objective auditing of third-party administrators (TPAs), self-insurance claims, and insurer underwriting guidelines.
- TPA claims administration audits
- Underwriting methodology checks
- Coverage dispute analysis
RMIS & Workflow Systems
Analyzing, specifying, and designing Risk Management Information Systems (RMIS) and custom web tools for risk-data governance.
- Needs assessment & vendor selection
- Custom incident-intake systems
- Exposure data pipelines
Education & CE Curriculum
Authoring specialized insurance continuing education on D&O, EPLI, wrap-ups, terrorism, and municipal liabilities.
- Custom executive workshops
- State-accredited CE courses
- Emerging-peril publications
Tailored Engagements
Select Your Organization Type
Engage Us
Consultation & RFP Inquiries
We work on-site or off-site, on an ad hoc project basis or as continuing independent advisors. Provide your entity details to receive an initial scoping consultation.