HG Risk Solutions

Mid-market companies with a dedicated senior risk advisor report up to 23% fewer uninsured or underinsured claim events, and renew 18% more efficiently on total cost of risk over a 3-year horizon. (Conning 2025 Middle Market Risk Study)

That gap doesn't come from finding a cheaper policy. It comes from having an advisor who knows your business well enough to find the holes before a carrier does.

At HG Risk, that advisor is Justin. Directly. Every time.

Serving mid-market Texas businesses
🔗 hgrisk.com

What does a real renewal strategy look like?

Year One: We attack the whole thing. Full market review, full due diligence, full transparency.

Year Two: We pick up the pockets. Leverage coverage to negotiate a line down. Explore a higher deductible. Something moves.

Year Three: Something new again. Always.

If your broker is sending the same policy with a price change every year, that's not strategy. That's paperwork.

HG Risk Solutions is a Texas-based commercial risk management and insurance advisory firm built for complex businesses and high-stakes decisions.

We help organizations identify, manage, and transfer risk with strategies fully customized to real-world business operations. We do not sell off-the-shelf programs.

We work alongside leadership teams to ask better questions, design smarter protection, and provide guidance that holds up when it matters most.

When our founder Justin Tatum left a 500-person office to start HG Risk, he put it simply:

"I haven't had a bad day since I left."

Not because problems stopped showing up, they still do. Because now, there's no six-month wait on a decision from someone with no context on the account or the client.

That's the difference between a firm built around process and a firm built around people.

It's what our clients feel when they call. It's what our producers feel when they need an answer.

And it's why we built HG Risk.

Uncertainty is inevitable. Being unprepared is not. We help organizations establish a clear, durable risk foundation that supports growth, withstands disruption, and performs when conditions change. Our work is designed to hold steady when it matters most.

Start a smarter risk conversation. Visit HGRisk.com

A question most Texas business owners have never thought to ask their broker:
Are you showing me every carrier that fits my risk — or just the ones that pay you the most on the back end?

Back-end compensation is common in this industry. Transparency about it isn't.

We built HG Risk to put the client's interest first. That means fewer blind commitments, more flexibility, and a clearer view of what you're actually buying.

That's the difference between a transactional broker and a strategic partner.

Our founder, Justin Tatum spent eight years leading one of the largest commercial insurance training programs in Texas — before building HG Risk.

One thing he's never stopped believing:
Producer success doesn't come from better software or more tracking tools. It comes from one habit.
Two new business appointments a week.

Not follow-ups. Not renewal conversations. Two brand new meetings every week.

The producers who commit to it validate. They grow. They build the kind of career this industry used to offer as a matter of course.

The tools are useful. They just don't replace the math.

Most business owners don't know their insurance is on autopilot until something goes wrong.

The policy renews. The premium changes. They sign. Nothing is reviewed. And the coverage quietly falls behind the business it's supposed to protect.

It's not fraud. It's not negligence. It's a structural problem in an industry where brokers are stretched thin, and renewals get processed — not planned.

Swipe through to understand what autopilot actually costs you, and what to look for. →

🔗 Read the full breakdown: hgrisk.com/insights/

Most Texas businesses treat renewal like a formality.

The policy comes through. The premium goes up. They sign. Nothing changes.

Until something goes wrong.

Before you renew, with us or with anyone, there are 3 questions worth asking your broker. The answers will tell you everything about the relationship you're actually in.

Swipe through. →
🔗 Want a second opinion on your current program? hgrisk.com/contact