About Us
Built for the businesses insurance companies don't understand.
Finsurance Risk Advisors was founded to serve gig economy operators, independent contractors, and fleet-based businesses that traditional brokers consistently underserve.
Our mission
The gig economy created a new class of business owner — one who operates at scale, carries real risk, and gets handed off-the-shelf policies that leave dangerous gaps. We built Finsurance Risk Advisors to change that.
We combine deep carrier relationships, captive insurance expertise, and a 50-state market reach to deliver coverage that actually fits how modern businesses operate.
Part of the Health Logistics Group ecosystem
Finsurance Risk Advisors operates within the Health Logistics Group (HLG) ecosystem — a network of companies built around the logistics, healthcare, and gig economy sectors. This connection gives our clients access to resources, carrier relationships, and operational expertise that standalone brokers simply can't match.
HLG's ecosystem includes Benefit Re, our licensed captive insurance carrier, and MBA TPA, our third-party administrator for self-funded and captive programs.
Benefit Re
Our in-house licensed carrier enables 831(a) and 831(b) captive structures for qualifying clients, giving you direct ownership of your risk program.
MBA TPA
Handles claims administration, compliance, and reporting for self-funded and captive insurance programs within the HLG ecosystem.
Health Logistics Group
The broader network connecting logistics operators, healthcare providers, and risk management professionals across the United States.
How we operate
Coverage first
We review your actual operations before recommending anything. No product-first selling.
Transparent advice
We tell you what you need, what you don't, and why — including when a captive structure isn't the right fit.
Long-term relationships
We're not a transaction. We're your ongoing risk advisor — reviewing, adjusting, and advocating year after year.
Specialty expertise
We focus on the sectors we know deeply: gig economy, fleet operations, healthcare logistics, and professional services.
Ready to work with an advisor who gets it?
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