You didn’t sign up to manage insurance risk—but we did.

Bruins & Co. offers fractional insurance risk leadership for organizations that need experienced support—without the cost or complexity of a full-time hire.

We don’t sell insurance. We bring clarity, structure, and forward-looking strategy. Your insurance and risk program becomes fully managed—with a clear plan, proactive oversight, and steady support where it’s needed most.

What We Help With

Fractional Insurance Risk Services
High-level leadership for the parts of your insurance and risk program that need structure, strategy, and expert guidance.

    • Full insurance program design or reset

    • Policy review + benchmarking

    • Renewal planning

    • Broker evaluation + strategic coordination

    • Cross-functional risk alignment

    • Strategic oversight of active claims

    • Leadership through large-loss recovery

    • Internal claims process review

    • Advisory support for loss control visits

    • Contract review with insurance and risk implications

    • COI process review + internal setup support

    • Insurance program evaluation based on risk tolerance and business needs

    • Policy review to ensure alignment with organizational exposure

    • Interim leadership for unfilled or evolving risk roles

    • Hiring support for risk-related positions

    • Onboarding + coaching for internal risk team members

    • Strategic support during growth, restructuring, or broker transitions

Led by Katherine Bruins

As a fractional insurance risk manager, I step into organizations that don’t have a full-time risk leader—but are starting to feel the weight of needing one.

That often looks like:
Claims that are dragging out.
Renewals that feel rushed or reactive.
Contracts with insurance terms no one’s confident about.
Broker relationships that haven’t been reevaluated in years.
And an internal team that’s doing their best—but wasn’t hired for this.

I’ve worked in this world for over 15 years—first in underwriting, then leading risk programs internally across multiple industries. I’ve guided organizations through complex losses, built and rebuilt insurance programs, helped evaluate broker relationships, reviewed coverage structures, and brought consistency to the parts of risk that get quietly passed around until something goes wrong.

I started Bruins & Co. for organizations that need experienced oversight—but not another full-time executive. My work is hands-on, structured, and tailored to what your team actually needs—so you can stop guessing if anything’s been missed.

I’m based in Jacksonville Beach, Florida, and work with clients both locally and remotely.

Not sure if this is what you need? That’s exactly what I help figure out.

If you’re fielding claims, juggling COIs, rushing through renewals, or just wondering if someone should be managing this more closely—you’re not alone.

Bruins & Co. was built for the in-between: when your organization is growing, your insurance and risk responsibilities are piling up, and you need someone experienced to step in and get a handle on it.

Whether it’s a short-term engagement or ongoing fractional support, I’ll help you make sense of where things stand—and what needs to happen next.