Koosh Insurance · Risk Services & Consulting
Risk Management Consulting
Risk assessment is the work most agencies skip because it doesn't generate a commission. The total cost of risk on most commercial accounts is two to three times what shows up on the policy bill — claims, deductibles, retained losses, productivity hits, capital tied up in collateral. We help you see all of it, decide what to insure and what to retain, and build a plan that holds up when the bad day arrives.
Coverage
What's included in the engagement
- Total cost of risk (TCOR) analysis — quantify true exposure across premium, retained losses, deductibles, and indirect costs
- Strategic risk assessment — exposure mapping across operations, contracts, locations, and growth plans
- Crisis management planning — incident response playbooks, communication protocols, business continuity structure
- Captive feasibility and alternative risk transfer evaluation
- Contract review for indemnification, hold-harmless, and insurance requirements
- Risk register and remediation roadmap with prioritized actions
- Annual program review tied to changes in operations, exposures, and market conditions
Who Buys This
Who benefits from this engagement
- Mid-market and growing businesses where premium spend has crossed $100K and the math on retained risk versus transferred risk gets material
- Real estate operators with multi-location portfolios and complex landlord/tenant indemnification structures
- Construction firms managing subcontractor risk, contract requirements, and additional-insured exposure
- Manufacturers with product liability exposure, supply chain dependencies, and regulatory compliance obligations
- Hospitality, healthcare, and other high-frequency-claim industries where loss control directly drives premium
- PE-backed portfolio companies preparing for diligence, sale, or insurance program restructuring
- Any business where the CFO has asked 'are we paying for the right insurance?' and gotten a vague answer
Why Koosh
Why Koosh Insurance
Risk consulting only works when the people doing it have actually placed the coverage, fought the claim, and seen what fails when the loss hits. Theoretical frameworks don't survive an EPLI suit, a hurricane reopening dispute, or a wire fraud claim. We've worked the live versions of all of it.
Practitioner-level depth across P&C, environmental, cyber, professional liability, and crime — recommendations grounded in what carriers actually agree to, not what they should.
Direct partner involvement on every engagement — risk strategy is not delegated to junior staff or off-shored to a generalist consulting team.
Connected to placement — when the strategy says 'raise this limit' or 'move this to a different carrier', we can execute it the same week through our existing carrier relationships.
Florida-specific expertise — Citizens, hurricane/wind, flood, and Tri-County market dynamics are second nature, not something we have to learn on your engagement.
Written deliverables that hold up to board, lender, and investor review — not a vague slide deck.
FAQ
Frequently asked questions
This page provides general information about Risk Management Consulting insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for Risk Management Consulting
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.