The insurance brokerage industry has a structural problem — it was built to place policies, not protect practices. Regulated professional firms overpay for inadequate coverage, receive no claims advocacy, and are left with a broker who disappears until the next renewal. We are changing that.
Equinix Professional Risk was founded on a single conviction: the professionals whose work carries the highest personal and regulatory stakes — physicians, attorneys, investment advisors, nonprofit executives, manufacturers, and life sciences operators — deserve a risk partner who has actually lived inside their world.
We are not a generalist broker. We are a vertical-deep risk operating system — combining AI-powered policy intelligence, dedicated vertical risk advisors, and a continuous monitoring platform into one outsourced risk function that replaces the traditional broker relationship entirely.
Our model is simple: flat-fee retainer, fully aligned incentives, and a written risk thesis you own forever after the first engagement — whether you hire us or not.
"Insurance is the artifact. Risk is the operating system."
EPR operates from Dover, Delaware — founded in 2017 and now serving regulated professional firms across all 50 states. Delaware's business-forward regulatory environment makes it a natural home for a firm built to serve clients nationwide on specialty professional risk programs.
We are a team of risk professionals, technologists, compliance specialists, and operations experts — united by a single belief that regulated professional firms deserve better than the traditional broker.
Four principles guide every engagement, every audit, and every claim response at EPR. They are not aspirational — they are operational.
Our clients receive one thing above all else — a defensible, written risk thesis they can act on. Not a renewal quote. Not a recommendation buried in a 40-page binder. A clear, precise signal about what they are exposed to, why, and what to do about it. We say the hard things clearly, not the easy things loudly.
We charge a flat-fee retainer. We don't earn more when you buy more coverage. We don't earn more from a higher premium. This means our only incentive is to get your risk program right — and that changes the entire nature of the advice we give. Balance requires that our interests and yours run in the same direction.
The broker model was built around a calendar: one renewal, one submission, one quote. Your practice doesn't stop changing every November 1st. We run continuous monitoring, issue COIs in real time, and adjust the plan when your business changes — not when the clock runs out. Growth requires that risk management moves at the speed of your organization.
The moment that defines a risk relationship is not the renewal — it is the claim. Traditional brokers refer your claim to a defense attorney and send a letter. EPR manages the claim from intake to close, runs reserve oversight, monitors carrier conduct, and translates every outcome into a specific improvement to your program. Claims are not problems we pass on. They are the most important work we do.
AI is our leverage layer, not our product. We use it to read every policy wording, map every compliance obligation, and model every claim — so our advisors spend their time on judgment and advocacy, not on chasing PDFs. The platform makes our team better. Our team makes the platform worth using. Neither replaces the other.
Any broker can place a policy. Only an advisor who has spent years inside healthcare delivery, legal practice, investment advisory, nonprofit governance, manufacturing operations, or food production can tell you what the policy actually means when the regulatory inquiry lands. We hire for vertical depth deliberately, invest in it continuously, and measure our value by it daily. Professionalism is earned vertically, not broadly.
We are a team that wins when our clients win. We work across risk advisory, technology, compliance, and operations — unified by a belief that the most important professional services firms in the economy deserve a risk partner built for them. If that sounds like work worth doing, we'd like to talk.
Coverage of EPR's relaunch, partnerships, and risk intelligence research from industry publications.