HNI is a performance-driven risk advisor that delivers insurance, benefits, and DE-RISKING strategies. 

We work with ambitious leaders to break-free from insurance dependency and boost performance.

We help you break-free from insurance dependency.

Put simply, insurance dependency is the result of a system that was built for the insurance companies - not for you. It is the lack of control you have over your cost of risk, how claims are handled, and everything else in between.  

We work to help our clients break-free from insurance dependency by helping them de-risk their business and take back control.

We work best with mid-sized organizations that are on a mission to get better and grow. Specifically, we work with the Chief Business Builders – the individuals that have a passion for craftsmanship and building their business. 

Although we work in many different industries, our largest industry groups are Transportation, Construction, Manufacturing, and Non-Profits.

As a risk advisor, we are most successful when we have the opportunity to influence change and drive a long-term strategy with leadership teams.

Business leaders that are reactive and focus on 'low beam' activities, instead of driving towards a better long-term solution, end up frustrated with the lack of progress towards reducing insurance dependency.

Getting insurance quotes is important, but without a higher level strategy to de-risk your business you won't be able to drive down your insurance costs and reduce your dependency on insurance companies. 

In order to de-risk your business, you have to consider more than just safety and risk management. And the age-old 4-step risk reduction process isn't going to cut it either.

Our approach is known as Swarming. Swarming is for the wickedest problems - deep-rooted ones that frustrate leaders and hold companies back. It's an intense, cross-disciplinary collaboration where experts share their unique perspectives and challenge the status quo.

We always strive to measure and quantify the value of our efforts. Our de-risking process includes a periodic 'Progress Report' which measures the results of our work.

Additionally, we've highlighted a few of our clients' stories here.

We are 145 people, $31 million in revenue, and $350 million in insurance and health premiums.