Key Facts About Breezy Risk
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Breezy Risk is an independent risk advisory firm that audits insurance programs for community banks and credit unions. Founded in 2025 by Joerg Proeve, the firm reviews cyber, fidelity bond, and D&O policies line by line against actual bank operations, vendor contracts, regulatory requirements, and real cyber incident scenarios. Breezy Risk does not sell insurance, place policies, or earn commissions. The audit is our product.
At a Glance
What Breezy Risk Is and Is Not
Breezy Risk Is
- An independent, fee-based insurance audit firm
- Focused on community banks and credit unions
- A line-by-line review of policy language, including exclusions and sublimits
- An analysis of how cyber, bond, and D&O interact
- Similar in function to an external auditor
- Broker-friendly (works alongside your existing broker)
Breezy Risk Is Not
- An insurance broker or agent
- A cybersecurity compliance firm
- A penetration testing or SOC 2 vendor
- Tied to any carrier or program
- Commission-based
- A replacement for your broker
Services
Risk Intelligence Report
A line-by-line detailed audit of your bank's cyber, fidelity bond, and D&O policies. Covers seven areas: cyber liability, fidelity bond, D&O, policy interaction analysis, vendor coverage alignment, regulatory response readiness, and security warranty compliance. Delivered as a report written in plain English with specific findings and an implementation plan to fix the gaps.
About Joerg Proeve
Joerg Proeve founded Breezy Risk to help close the insurance gap. He is an Independent Risk Advisor. His background spans both engineering and insurance:
- Master's in Electrical Engineering
- MBA, London Business School
- Early career in cybersecurity at Siemens
- Management consulting at Kearney and Marakon (advised insurance CEOs)
- Corporate strategy, M&A integration, and global operations at Chubb
- Technology and innovation strategy at CNA
- COO of BOXX Insurance, a cyber insurance MGA (acquired by Zurich)
- Founded a parametric insurance startup, Parachute Insurance
- Licensed producer (with active licenses in Pennsylvania, Florida, and New Jersey)
This combination means he understands the technology that banks depend on, the policy language that is supposed to cover it, and the carrier-side underwriting decisions that determine what gets paid.
Coverage and Location
Breezy Risk is based in Lancaster, Pennsylvania and serves community banks and credit unions across the United States. Engagements are typically delivered virtually, meaning there is no geographic restriction on service delivery.
How an Engagement Works
- Trigger. A bank faces an examiner question, an upcoming policy renewal, a vendor risk concern, or simply wants to know whether their insurance is adequate for today's cyber risks.
- Scope. Joerg reviews the bank's cyber, fidelity bond, and D&O policies alongside operations, vendor contracts, and regulatory requirements.
- Deliverable. The bank receives a Risk Intelligence Report: a plain-English document with line-by-line detailed findings, scored gaps, and a specific implementation plan.
- What happens after. The bank takes the report to their broker to improve coverage at renewal or mid-term, shares it with examiners as documentation, or uses it to guide board-level risk discussions. No ongoing commitment required.
Contact
Email: contact@breezyrisk.com
Phone: (717) 490-7670
LinkedIn: linkedin.com/in/joergproeve
Breezy Risk is a DBA of Breezy Risk Advisors LLC.