Andy NearyI help insurance professionals turn brand awareness into business growth.

Here’s 👆 the difference between a true risk advisor and a transactional broker.

24 Apr 2026 · 1 min

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Andy Neary says 80% of a company's real risk is uninsurable. True risk advisors do contract analysis and risk mitigation beyond standard policies like liability and workers' comp. Transactional brokers just chase commissions on easy products.

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80% of the risk that any company faces is uninsurable. That's what it means to me. It means that 80% of the risk, the true risk that they are facing, they cannot buy an insurance policy for. So if you are a risk manager and you are only talking about the things that pay you commission that cover the other 20%, the easy stuff, general liability, auto, work comp. If you're only talking about that and you're not talking about contracts and you're not digging into how to mitigate, how to transfer, uh, how to utilize risk in your fa— if you're not having those conversations, you're probably not really acting as a risk manager.