Best Insurance Consulting Services in the USA

United States Insurance Consultants

The U.S. insurance landscape is one of the most complex, regulated, and fragmented in the world. Whether you're a small agency looking to scale, a private equity firm conducting due diligence, or a high-growth SaaS company navigating liability and compliance, the need for clear, independent insurance expertise has never been greater.

This article features a curated list of standout outsourced, part-time, fractional, and virtual insurance consultants from across the United States. These professionals aren't tied to legacy carriers or bloated brokerages; they operate independently, work closely with founders and leadership teams, and deliver tailored advisory services that align with strategic goals.

Each firm in this list reflects Digital Reference's values of radical authenticity, transparency, and practicality. They aren’t here to upsell, they're here to solve, simplify, and elevate your approach to risk.

Methodology

We selected these insurance consulting firms using a research-first, client-reviewed, and location-aware process. Each provider met the following criteria:

• Independent or boutique in nature (under 25 employees)
• Clear specialization in insurance strategy, risk consulting, or agency operations
• Strong founder or leadership visibility, with experience reflected publicly via LinkedIn or industry participation
• Positive signals from clients, including testimonials, references, or third-party validations

This guide is not ranked. It is intended to showcase diverse, credible options across different sectors and regions in the United States. Now, let's jump into the providers.

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Pozmantier, Williams & Stone Insurance Consultants

🔗 Website: https://pwsconsult.com 

What they do: 

Provides litigation support, expert witness services, and strategic insurance consulting to law firms, corporations, and municipalities.

Who they work with: 

Attorneys, risk managers, corporate legal teams, and insurers.

Operating model: 

Project-based consulting tailored to legal disputes and insurance claims, offering deep technical insight and clear communication throughout.

💡 Why they stand out:

• Recognized expertise in litigation and arbitration support
• Over 40 years in the insurance industry with major influence in Texas and the Southwest
• Proven courtroom-tested strategies and expert witness credibility

Joe L. Williams, Founder, Pozmantier, Williams & Stone

🔗 LinkedIn: https://www.linkedin.com/in/joe-l-williams-cpcu-3171117/ 

Joe L. Williams, CPCU, has over four decades of experience in insurance consulting and litigation support. He’s a nationally recognized expert witness and technical consultant, frequently called upon in complex liability and coverage disputes. Williams is known for his precision, reliability, and ability to communicate complex issues clearly in high-stakes legal settings.

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Risk International

🔗 Website: https://riskinternational.com/

What they do:
Risk International is an independent insurance and risk management consulting firm providing strategic solutions for complex insurance programs. Their services include risk program optimization, claims advocacy, and cost containment strategies.

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Who they work with:
Mid-market to large corporations, private equity firms, and multinational businesses seeking objective risk and insurance advice.

Operating model:
Fee-only, conflict-free model with senior consultants directly managing client relationships. They focus on long-term cost reduction and maximizing insurance program efficiency.

💡 Why they stand out:

• Independent, no brokerage commissions or carrier bias
• Proven expertise in reducing the total cost of risk for global clients
• Recognized for deep analytics and hands-on claims advocacy

Rob Edmonds, Senior Director, Risk International

🔗 LinkedIn: https://www.linkedin.com/in/redmonds3/
Rob Edmonds brings decades of experience in corporate risk management and insurance advisory. Known for his strategic approach and operational rigor, Edmonds leads engagements that drive measurable results, particularly in reducing insurance costs and improving program outcomes.

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Gulf Coast Risk Management, LLC

🔗 Website: https://gulfcoastriskmanagement.com/  

What they do: 

Delivers full-service risk consulting, from insurance program review to enterprise-wide risk control.

Who they work with: 

Energy, construction, industrial clients, and municipalities.

Operating model: 

Embedded consulting engagements focused on lowering Total Cost of Risk (TCoR).

💡 Why they stand out:

• Deep understanding of high-hazard and industrial exposures
• Specializing in cost reduction through strategic policy design
• Frequent speaker and educator on corporate risk management

Scott Margraves, Founder, Gulf Coast Risk Management

🔗 LinkedIn: https://www.linkedin.com/in/scottmargraves/ 

Scott Margraves leads Gulf Coast Risk with over two decades of insurance and risk consulting experience. He’s particularly respected for his ability to translate technical risk language into actionable business decisions. Known for his analytical mindset, Margraves builds long-term client partnerships based on trust and measured results.

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The Actuarial Advantage

🔗 Website: https://taa-inc.com/

What they do:
The Actuarial Advantage provides actuarial consulting services with expertise in property-casualty insurance. They offer pricing, reserving, and risk modeling to insurers, self-insureds, and captives.

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Who they work with:
Insurance carriers, self-insured groups, and businesses requiring actuarial certifications, audits, and advanced modeling.

Operating model:
A nimble actuarial consultancy delivering personalized, senior-level attention and data-driven recommendations.

💡 Why they stand out:

• Expert actuarial modeling across multiple insurance lines
• Certified by leading industry associations (FCAS, MAAA)
• Proven track record of solving complex pricing and reserving challenges

Kyle Mrotek, Principal, Consulting Actuary

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🔗 LinkedIn: https://www.linkedin.com/in/kylemrotek/
Kyle Mrotek is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. With extensive experience in predictive modeling and risk analytics, he is known for delivering clear, actionable insights that help clients strengthen their underwriting and reserving strategies.

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Precision Actuarial

🔗 Website: https://precisionactuarial.com/

What they do:
Precision Actuarial offers independent actuarial consulting services focused on healthcare, life, and property-casualty insurance. They help organizations with risk assessment, reserving, pricing, and financial projections.

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Who they work with:
Insurance companies, TPAs, self-funded employers, and government programs are seeking accurate actuarial analysis and support.

Operating model:
A boutique consultancy where senior actuaries lead projects, ensuring technical excellence and client-focused service.

💡 Why they stand out:

• Hands-on actuarial expertise across diverse insurance sectors
• Transparent, data-driven solutions with no conflicts of interest
• Known for fast turnaround and reliable projections

Roger Burton, President, Precision Actuarial

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🔗 LinkedIn: https://www.linkedin.com/in/roger-burton-3667b919/
Roger Burton is a highly regarded actuary with decades of experience delivering independent actuarial solutions. He is recognized for his technical precision, strong client relationships, and ability to translate complex data into strategic recommendations.

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AgencyFocus™

🔗 Website: https://www.agency-focus.com 

What they do: 

Specializes in valuation, M&A advisory, and strategic growth consulting for independent insurance agencies.

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Who they work with: 

Agency owners, brokers, and aggregators are preparing for growth or exit.

‍Operating model: 

Data-driven, milestone-based consulting with an emphasis on measurable agency performance.

💡 Why they stand out:

• Known across the industry for insurance agency valuation expertise
• Leads structured succession and perpetuation planning
• Educates agency leaders on maximizing operational value

Carey Wallace, Founder, AgencyFocus™

🔗 LinkedIn: https://www.linkedin.com/in/carey-wallace-393a8620/

Carey Wallace is a leading voice in insurance agency valuation and perpetuation strategy. With a background in finance and deep industry experience, she helps owners plan for transitions and exits with clarity. Her workshops and insights have helped hundreds of agencies strengthen their internal metrics and market readiness.

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AmeRisk Consulting

🔗 Website: https://www.ameriskconsulting.com 

What they do: 

Provides actuarial consulting and insurance advisory services with a specialty in property-casualty and life insurance.

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Who they work with: 

Carriers, reinsurers, captives, and startups seeking actuarial and compliance guidance.

‍Operating model: 

Analytical, technical consulting with embedded actuarial support and risk modeling.

💡 Why they stand out:

• Dual designation as FCAS and FSA for cross-disciplinary actuarial expertise
• Long track record of helping insurance startups with filings and growth
• Combines analytics and strategic insight for balanced guidance

Gordon Thompson, Founder, AmeRisk Consulting

🔗 LinkedIn: https://tinyurl.com/y2e3ac6k

Gordon Thompson brings a rare blend of actuarial credentials and consulting experience to the insurance landscape. Known for precision, technical depth, and inclusivity, he supports both traditional insurers and insurtech firms. His advice is trusted by actuaries, underwriters, and executive teams alike.

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INEX Insurance Consulting

🔗 Website: https://inex.com/

What they do:
INEX Insurance Consulting provides valuation, M&A advisory, and strategic growth consulting for independent insurance agencies. They help owners prepare for acquisitions, sales, and operational scaling with data-backed strategies.

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Who they work with:
Independent agency owners across the U.S. are seeking to increase value, restructure, or plan successful exits.

Operating model:
Founder-led, boutique team with hands-on involvement in every project. They combine industry insight with practical transaction execution.

💡 Why they stand out:

• Over 500 agency transactions supported nationwide
• Operates independently—no carrier ties or product sales
• Former agency owners offering unmatched market perspective

Peter Milnes, Founder, INEX Insurance Consulting

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🔗 LinkedIn: https://www.linkedin.com/in/pmilnes/
Peter Milnes is a seasoned consultant and former agency owner with decades of experience in agency valuations and M&A. He’s widely respected for his straightforward advice, strong deal execution, and ability to align agency operations with market opportunities.

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Insurance Consulting Services, Inc.

🔗 Website: https://icspdx.com 

What they do: 

Offers independent insurance consulting, claim audits, and policy review services.

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Who they work with: 

Businesses, school districts, and public agencies.

Operating model: 

Fee-only advisory model with no broker affiliations, ensuring impartiality.

💡 Why they stand out:

• Decades of experience in municipal and public-sector insurance
• Highly respected for unbiased, clear policy evaluations
• Trusted by agencies navigating risk complexity and claim oversight

Jim Pittman, Founder, Insurance Consulting Services, Inc.

🔗 LinkedIn: https://tinyurl.com/bscecw3r

Jim Pittman brings extensive public-sector expertise to the insurance consulting world. He founded ICS to provide neutral, conflict-free guidance to organizations with large or complex insurance needs. Pittman is known for clarity, consistency, and professional integrity.

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Morris Insurance Services and Consulting, LLC ("MISC")

🔗 Website: https://www.morrisisc.com 

What they do: 

Provides business insurance consulting, employee benefits strategy, and carrier negotiation services.

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Who they work with: 

Small to mid-size businesses, nonprofits, and community organizations.

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Operating model: 

Collaborative, advocacy-based service model focused on affordability and equity.

💡 Why they stand out:

• Focus on diversity, equity, and access in insurance strategy
• Strong reputation for responsive, community-focused service
• Delivers cost-effective benefits planning without compromising quality

Sylvia Blackshear, Founder, MISC

🔗 LinkedIn: https://tinyurl.com/2hfxh76a

Sylvia Blackshear founded MISC to close insurance access gaps for small businesses and community-led groups. With over 30 years in the industry, she brings an unmatched perspective to equitable benefits strategy. Sylvia’s clients trust her to prioritize their people, not profits.

Final Thoughts

The U.S. insurance consulting landscape is evolving fast, and these experts are at the forefront. Each of the professionals featured here offers deep, specialized value that goes beyond generic advice. Whether you need technical litigation insight, forward-thinking valuation guidance, or personalized risk strategy, these firms represent the best of independent, modern insurance consulting.

Their transparency, authenticity, and client-first approaches align with the values we promote at Digital Reference. We believe that great consulting doesn’t just fix problems, it empowers businesses to grow confidently and sustainably.

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