“If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business”
- Gary Cohn
Welcome to "Why Worry Risk Management"
In a world of uncertainty, Why Worry Risk Management offers peace of mind through expert insurance consulting. We provide personalized solutions for businesses and individuals, ensuring your most valuable assets are protected so you can focus on growth, enjoyment, and what matters most.
For Businesses...
We transform risks into opportunities with strategic insurance consulting. Our goal is to strengthen your operations, reduce liabilities, and position your business for long-term success. Whether navigating market uncertainties or managing complex risks, we help you secure your future with confidence.
For Personal Assets...
Your lifestyle is unique—your insurance should be too. From high-value homes and luxury automobiles to rare collections and yachts, we craft tailored solutions to safeguard your personal assets. We’re here to protect what you love, so you can enjoy life without worry.
About Us
Founded by David Austin, a York University graduate and a distinguished insurance consultant, Why Worry Risk Management blends deep industry expertise with a passion for protecting what matters. David holds the Canadian Risk Management (CRM) designation and is RIBO-licensed, demonstrating a commitment to excellence in risk management and insurance.
With wide range of experience consulting for individuals and businesses, David and his team offer bespoke strategies that protect your assets, preserve your wealth, and secure your legacy for the future.
Our Approach
Every client’s needs are different. That’s why we take a personalized consulting approach, identifying and managing the unique risks you face. We go beyond one-size-fits-all solutions to develop targeted strategies that align with your goals. From insurance placement to ongoing risk management, our focus is on preventing setbacks and empowering you to thrive with confidence.
Our Consulting Services
Our consulting expertise spans a wide range of specialized areas, ensuring comprehensive protection for both businesses and personal assets. Whether you need coverage advice for luxury properties or specialized consulting for cyber liability, we offer a tailored approach to every challenge.
Luxury Property & Asset Coverage
High-Value Home Insurance: Protect your primary and vacation residences with policies that reflect their unique value and features.
Extended Replacement Cost: Rebuild with the same craftsmanship and materials, even if costs exceed policy limits.
Seamless Coordination for Multiple Properties: Manage coverage for homes across multiple locations, including international estates.
Valuable Articles Consulting
Fine Art and Collectibles: Safeguard your investments in rare books, antiques, and art collections.
Jewelry and Watches: Protect high-value items with global coverage, often with zero deductibles.
Wine Collections: Ensure your wine is protected against temperature changes, theft, and breakage.
Luxury Vehicle Insurance Consulting
Exotic and Classic Car Coverage: Secure your high-value vehicles with agreed-value settlements and access to original parts.
Collector Car Coverage: Protect appreciation value and ensure coverage during exhibitions and events.
Yacht & Watercraft Risk Solutions
Marine Coverage: Comprehensive policies for yachts, including hull protection, liability, and crew coverage.
Customized Navigational Limits: Ensure proper coverage for the waters you sail.
Business Insurance Consulting
We offer expert guidance for privately owned businesses, ensuring tailored insurance solutions that protect your operations and reputation.
Commercial Coverage: Custom strategies for property, general liability, professional liability, and business interruption risks.
Cyber Liability: Proactive consulting to defend your business against the growing threat of cyberattacks and data breaches.
Personal Risk Management Strategies
We understand that managing significant wealth requires specialized expertise. Our consulting services are designed to protect your most valued assets—from luxury homes to yachts and high-performance cars. We work closely with you to develop solutions that not only mitigate risks but also enhance the value of your insurance coverage, ensuring your assets are protected for generations to come.
Why Choose Why Worry Risk Management?
In today’s complex world, managing risks requires foresight and expertise. Here’s what sets us apart:
Expertise Across Diverse Risk Areas: From personal to commercial, our knowledge spans multiple industries and specialties.
Tailored Solutions for Unique Needs: We design strategies that fit your specific goals and exposures.
Comprehensive Risk Management: Our holistic approach ensures every aspect of your life and business is protected.
Commitment to Long-Term Stability: We help you build a secure foundation for sustained growth and prosperity.
When you partner with Why Worry Risk Management, you’re choosing more than just an insurance consultant—you’re gaining a strategic ally committed to your success and peace of mind.
Secure Your Future Today
At Why Worry Risk Management, our mission is to help you protect what matters and thrive in an unpredictable world. Let us provide the expertise you need to secure your wealth, mitigate risks, and enjoy life with confidence. Reach out to schedule a consultation and take the first step toward a worry-free future.