About Breezy Risk
Independent Risk Advisor
Who I Am
I'm Joerg Proeve. I've spent my career inside the insurance industry, on the carrier side at Chubb and CNA, where coverage decisions are made. I helped build and scale a cyber insurance MGA.
I have sat in the rooms where carriers decide what gets paid and what gets denied.
I grew up in Germany, earned a Master's in Electrical Engineering, and started my career in cybersecurity at Siemens. That technical background means I understand the security controls and vendor systems my clients depend on, not just the policies that are supposed to cover them. I also hold an MBA from London Business School.
What Breezy Risk Is
Breezy Risk is an independent risk advisory firm. I don't place policies. I audit them. No commissions, no broker of record letter. Think of it as an external audit of your insurance program: independent and focused entirely on what is actually in your coverage.
I read the full policy wording, test it against real cyber incident scenarios, and identify where policies point fingers instead of paying. My core engagement is the Risk Intelligence Report: a line-by-line policy audit delivered in plain English with a specific implementation plan to fix the coverage gaps.
Most banks pay for insurance without knowing what it will actually cover in a claim situation. I think they deserve to know.
Who I Work With
I work with community banks and credit unions, where overlapping policies create coverage confusion that only surfaces at claim time. If you are responsible for your bank's insurance and no one has ever read the policies together, line by line, that is exactly why this service exists.
My work often complements the audits of CPA firms or compliance consultants who serve these financial institutions.
Want to Talk About Your Coverage?
Whether you want to understand where you stand, or have a specific insurance question, I'm happy to talk. No commitment required.