No. StoneRidge Risk Advisory is an independent insurance consulting firm. We do not sell policies, receive commissions, or replace your clients' insurance agents. Our recommendations are completely objective and focused solely on improving risk management and coverage strategy.

We act as an extension of your advisory team by reviewing clients' personal insurance portfolios, identifying potential coverage gaps, and providing clear recommendations. Our goal is to help protect your clients' wealth while enhancing the value your firm delivers.

Yes—when requested. We can participate in client meetings, review insurance documents, explain complex coverage issues in plain language, and collaborate with the client's existing insurance professionals to implement recommendations.

We provide comprehensive reviews of personal risk management, including homeowners, automobile, umbrella liability, valuable articles, watercraft, secondary residences, cyber liability, flood, and other specialty personal insurance coverages commonly held by high-net-worth individuals.

Insurance is often one of the most overlooked aspects of a client's financial picture. By identifying coverage deficiencies before they become costly claims, we help protect client assets, strengthen advisor-client relationships, and provide an additional layer of professional due diligence—all without creating conflicts of interest.