Fractional risk management
Monthly fee.
Your risk management function, without the full-time hire. Program management, claims, and data and governance, with one owner.
Who it’s for
Programs run part-time by legal or finance
No single owner for insurance and claims
A risk manager hire on the horizon, not yet
“A lot of what we are paying for is offloading grunt work … then babysit the AI while it spits out a report that you could pass off as your own work.”
What we handle
Program management
- Strategy and structure
- Limits, retentions, and program structure that fit the business.
- Renewals
- Every renewal managed from strategy meeting to post-bind.
- Contracts
- Insurance and indemnity terms reviewed before signature.
- Certificates
- Customer and vendor COI requirements tracked and enforced.
- Reporting
- Board and investor reporting, with the program page kept current.
Claims
- Triage and notice
- What to report, under which policies, and by when.
- Monitoring
- Through resolution, including carrier and adjuster follow-up.
- Coverage support
- Working with legal and defense counsel on reservations of rights, consent, and allocation.
- Loss run analysis
- Frequency, severity, and trends, and how underwriters will read them.
- Loss control
- Claim patterns traced back to operations, contracts, and vendor controls.
Data and governance
- Questionnaires
- Security and underwriting questionnaires answered accurately.
- Vendor risk
- Third-party reviews tied to contract terms and your own coverage.
- Incident response
- Response plans aligned with cyber policy notice and panel terms.
- Privacy and data terms
- Contractual privacy commitments reviewed for insurance implications.
- AI governance
- AI use in products and operations documented for underwriters.
Privacy through an insurance lens
CIPP/US-certified review of privacy and data commitments for their effect on insurability, contract exposure, and claims.
Monthly fee
Based on the number of policies, entities, contracts, and open claims, not hours. Renewals included. Most clients start with a coverage diagnostic.
Outside our scope: legal services and public adjusting. Coverage disputes go to outside coverage counsel.
Getting started
Thirty minutes on your operations, contracts, and current program. No charge.