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Overhaul Risk & Insurance Services
Overhaul Risk & Insurance Services designs bespoke corporate insurance and risk-transfer structures from Austin, Texas.
Overhaul Risk & Insurance Services
Overhaul Risk & Insurance Services was established in Austin, Texas. The firm occupies a specialized niche in the insurance advisory landscape, distinct from the large alphabet brokers that dominate the market. Overhaul's focus centers on constructing bespoke risk management and insurance programs for clients with exposures that fall outside standard underwriting boxes. Its identity is that of an architect of risk-transfer solutions, not a volume-driven retail agent. The firm's engagement model spans property and casualty program design, captive insurance feasibility and management, and alternative risk financing structures. Overhaul does not underwrite risk itself; it shapes the layers of coverage — primary, excess, and reinsurance — that protect corporate balance sheets. The geographic footprint is primarily domestic, with a concentration in Texas and the broader southwestern United States. The firm advises on structures that blend self-insured retentions, fronting carriers, and commercial market capacity. Overhaul's scale reflects its advisory model: a compact team of senior practitioners rather than a large producer network. The Austin location places it in one of the fastest-growing hubs for middle-market and entrepreneurial companies, which form a natural client base for flexible insurance structures. No adjacent investment vehicles or capital-deployment arms are associated with the firm. Unlike a full-service brokerage that aggregates premium volume for carrier concessions, Overhaul's structural differentiator is its independence from carrier quotas and retail commission incentives. This allows a fee-based or hybrid compensation model aligned with client-side risk optimization. The firm's architecture substitutes outsourced risk consulting for in-house capacity, serving entities that lack dedicated risk managers but face institutional-grade exposures.
General information
Firm type
other
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Austin
Corporate office
Austin, TX, United States
Sector focus
Frequently asked questions
What is Overhaul's core business model?
Overhaul operates as a specialized insurance advisory firm that designs risk-transfer programs for complex corporate exposures. It does not underwrite risk or act as a traditional volume-driven retail broker. The firm's revenue likely derives from fee-based consulting and program placement commissions, structured to prioritize client-side risk optimization rather than carrier volume incentives.
How does Overhaul differ from a large brokerage like Aon or Marsh?
Overhaul is a boutique focused on program design rather than commoditized policy placement. Large brokers aggregate premium to command leverage with carriers and often operate on volume-based commissions. Overhaul's model is closer to outsourced risk management, structuring bespoke layers of coverage — including captives and alternative risk financing — for clients who fall outside standard underwriting criteria.
What types of risk does Overhaul handle?
The firm's scope includes property and casualty program design, captive insurance feasibility and management, and alternative risk financing. It addresses exposures that are too complex or non-standard for off-the-shelf insurance products, building layered structures that combine self-insured retentions, fronting carriers, and commercial or reinsurance market capacity.
Does Overhaul underwrite insurance or hold risk on its own balance sheet?
No. Overhaul is an advisory and program-design firm, not a carrier or risk-bearing entity. It shapes the insurance architecture that clients use to protect their balance sheets but does not itself issue policies or hold underwriting risk.
Who is Overhaul's typical client?
The firm serves middle-market and growing enterprises — often without in-house risk managers — that face institutional-grade exposures. Its Austin base gives it proximity to entrepreneurial and technology-adjacent companies in Texas and the Southwest, but the advisory model can address clients nationally with complex property, casualty, or liability programs.
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