What we do
Independent advice where risk, insurance and capital intersect
Latitude 47 Advisors supports boards, captive owners and executive teams in situations where standard market solutions fall short and where risk transfer, capital allocation and governance must be considered as an integrated system — not in isolation.
Our work is structured around four engagement formats, each designed for different decision situations, leadership needs and strategic contexts.
Strategic Advisory
Board-level support on complex decisions across risk, insurance and capital — covering structure, governance and strategic direction.
Typical situations include:
- reviewing the strategic role of a captive within a changing risk financing strategy
- assessing program structure, retention levels and market positioning ahead of major renewal decisions
- evaluating the role of ART, reinsurance or capital-based solutions in response to volatility or changing risk appetite
- aligning insurance, treasury, governance and risk considerations within a single decision framework
Fractional Leadership
Experienced executive support during periods of transition, transformation or increased organizational complexity.
Typical situations include:
- temporary senior leadership support in corporate insurance, captive or risk financing functions
- executive capacity during organizational change or leadership transitions
- support in reshaping insurance-related capabilities, governance structures or market interfaces
- experienced leadership perspective in cross-functional initiatives involving finance, insurance and operational risk
Executive Sparring
Independent perspective for senior decision-makers navigating trade-offs, uncertainty and high-pressure situations.
Typical situations include:
- preparing board or shareholder decisions involving insurance strategy, captive direction or capital allocation
- testing assumptions ahead of sensitive market, governance or restructuring decisions
- challenging strategic choices where discretion and external perspective are critical
- providing structured sparring to executives facing complex stakeholder or risk trade-offs
Focused Engagements
Targeted support on specific priorities such as captive optimization, risk financing structures, broker strategy or claims governance.
Typical situations include:
- captive reviews covering strategic role, governance, operating model and future use cases
- optimization of multinational insurance programs and retention structures
- broker strategy reviews, including market positioning, panel design and tender preparation
- selected assessments relating to claims frameworks, ART structures or insurer engagement models
Each engagement is shaped around a specific decision situation — not a predefined consulting model.
What we deliberately don't do
Latitude 47 Advisors is not designed as a project delivery or implementation platform.
We do not offer:
- implementation or project delivery
- products, placements or commissions
- standardized methodologies or volume-driven mandates
- advice designed to create dependency on follow-on projects
Our role is to help clients make better decisions — not to prolong complexity or substitute ownership.
