Independent insurance advice for companies that have outgrown their broker model
Senior-level insurance guidance for growth companies and complex risks. Practical, independent advice, without the overhead of a full-time risk executive.
Why James?
Independent, senior-level perspective
Clear, direct advice with no brokerage agenda
Practical guidance grounded in real market experience
Built for startups, growth companies, and complex risk environments
Former leader of Marsh’s U.S. Sharing Economy & Mobility practice
I don’t place insurance or earn commissions. My role is to provide independent advice so decisions are made in your best interest.
I work alongside your broker to improve strategy, challenge assumptions, and ensure execution matches expectations.
Ideal Clients
Companies that are:
Scaling quickly and outgrowing their current insurance structure
Preparing for a renewal, capital raise, or major operational change
Managing complex risk across multiple stakeholders, geographies, or business models
Frustrated with unclear broker guidance or inconsistent execution
Looking for a senior, independent perspective before making decisions
When to Bring Me In
You’re spending significant premium but don’t feel in control of the outcome
Your renewal feels reactive instead of structured
You’re not confident your coverage reflects how your business actually operates
Broker strategy is unclear or inconsistent
You’re entering a new phase (growth, fundraising, expansion)
You want a second opinion before making a significant insurance decision
Who is James Rose?
I’m a senior insurance and risk advisor with over 20 years of experience helping companies navigate complex, high-stakes insurance decisions.
I’ve led large, specialized practices, structured programs for fast-growing and operationally complex businesses, and worked directly with carriers on how risk is evaluated, positioned, and priced.
Today, I work independently with companies that want clear, experienced guidance, without relying solely on broker-driven recommendations.
Services
Program Design & Structural Alignment
Design and refine insurance programs so coverage actually matches how your business operates. Identify structural gaps, misaligned limits, and inefficiencies that drive cost or create exposure.
Coverage Review & Gap Analysis
Independent review of existing policies to identify gaps, overlaps, and inconsistencies. Focused on what coverage actually does in practice, not just how it reads on paper.
Carrier Strategy & Market Positioning
Position your risk to drive better outcomes in the insurance market. Advise on carrier selection, submission strategy, and how to improve competitive outcomes during placement.
Renewal Strategy & Process Oversight
Bring structure to the renewal process so it is deliberate, not reactive. Includes timeline development, exposure preparation, and oversight of broker execution.
Embedded & Affinity Program Advisory
Advise on the design and execution of embedded insurance and affinity programs. Built for scalability, customer alignment, and long-term performance.
Placement Process Review
Evaluate how placements are actually run. Identify breakdowns in market engagement, communication, and competitive dynamics, and tighten execution to improve results.
Data & Exposure Integrity Review
Assess the quality and presentation of underwriting data. Ensure exposure information is accurate, defensible, and positioned effectively for carriers.
Independent Second Opinions
Provide an objective view on strategies, proposals, and recommendations. Validate approach, challenge assumptions, and identify better alternatives where needed.
Complex Stakeholder Navigation
Advise on communication and alignment across internal stakeholders, brokers, and carriers. Especially relevant in high-visibility or politically complex situations.
Program Performance & Optimization
Ongoing evaluation of program effectiveness across cost, coverage, and market responsiveness. Focused on continuous improvement, not one-time fixes.
This list is not exhaustive. Engagements are tailored to the specific needs of each client, and additional advisory services can be structured accordingly.
Engagement Structure
Engagements are structured based on scope, complexity, and where I can deliver the most immediate impact.
Work is typically hourly or project-based, ranging from targeted reviews to ongoing advisory support through renewals or periods of growth.
I work with a limited number of clients to ensure focus and consistent execution.
Initial discussions are used to understand your situation and determine the right structure.
Get in touch
Most engagements start with a short, focused call to assess your current structure and identify where things may be misaligned.
If you are evaluating your insurance program, preparing for renewal, or need a clear second opinion, reach out.
I work with a limited number of clients at a time and prioritize situations where I can have immediate impact.
Most inquiries receive a response within one business day.
