Insurance Strategy, Technology & Operations

I advise carriers, MGAs, and investors on insurance technology strategy and emerging risks, drawing on a career spent building and running insurance operations.

Joerg Proeve, Founder and Principal at Breezy Risk Advisors

My Focus Areas

Carrier Technology Strategy

Where technology investments create underwriting advantage and where they don't. Grounded in hands-on carrier operations.

Governed a $325M technology portfolio at CNA.

MGA Operations

Product design, underwriting ops, and capacity strategies for MGAs and program platforms. Formation through scale.

Built a cyber MGA from scratch (acquired by Zurich). Co-founded a parametric MGA.

AI & Emerging Risks

How AI liability, autonomous systems and other new risks create new insurance exposure, before the market hardens.

Built products around two emerging risk classes: cyber and parametric catastrophe.

Background

At Chubb, I worked in corporate strategy and then on post-merger integration after a $28B carrier acquisition, building the performance reporting framework across 54 countries. At CNA, I designed the governance framework for the $325M technology portfolio: how projects got prioritized, how the steering committee evaluated trade-offs, and which vendor partnerships the company invested in at scale.

I've also built insurance from the ground up. I co-founded a parametric MGA and served as COO for a cyber MGA, building the platform and scaling distribution across 50 states.

In addition, I support financial institutions with independent insurance audits, reading coverage against operations and examiner expectations.

MBA from London Business School, Master's in Electrical Engineering from Karlsruhe Institute of Technology, started in cybersecurity at Siemens.

Full bio and credentials →

Recent Writing

August 2026 Insuring AI Liability Without Measuring the Risks

The first cohort of AI liability writers is live. The measurement infrastructure underneath them is not.

August 2026 What Gets Lost in the MGA Assembly Line

$125 billion in premium flows through MGAs and programs. Nobody owns the coordination.

August 2026 What RPA Should Have Taught Carriers About AI

Almost all P&C carriers are using AI somewhere. Only 10% have scaled it beyond pilots. The structural problems are twenty years old.

All Industry Trends →

Get in Touch

Whether it's an insurance technology problem, a coverage question, or a conversation about working together — I'm happy to talk.

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