About Breezy Risk Advisors
Founded by Joerg Proeve
Who I Am
I'm Joerg Proeve. I spent 20 years inside the insurance industry. I worked on the carrier side, at Chubb and CNA, where coverage decisions are made. I founded a parametric insurance startup. 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 an MSc 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.
Based in Lancaster, PA.
What Breezy Is
Breezy Risk Advisors is an independent risk advisory firm. I don't place policies. I audit them. No commissions, no broker of record letter, no incentive to sell you anything. 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 incident scenarios, and identify where multiple policies point at each other instead of paying. The core engagement is the Risk Intelligence Report: a line-by-line audit delivered in plain English with dollar amounts and specific fixes.
Most businesses pay for insurance without knowing what it will actually cover. I think they deserve to know.
Who I Work With
I work primarily with community banks and credit unions, where overlapping policies create coverage confusion that only surfaces at claim time. 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 have a specific question or just want to understand where you stand, I'm happy to talk.