ProtectingExtraordinary:
CraftedforYou.
Concierge-style insurance and risk advisory for people with unique lives and complex assets. 12+ years of licensed expertise protecting what matters most.
Services Designed for
Extraordinary Lives
High-Value Homes & Properties
Comprehensive coverage for primary residences, secondary homes, and investment properties with values that exceed standard market programs.
Collector & Specialty Vehicles
Agreed-value policies for classic cars, exotic automobiles, limited editions, and unique builds. Coverage that understands what these vehicles truly mean.
Personal Collections
Scheduled coverage for art, jewelry, wine, sports memorabilia, and other curated collections. Appraised value, worldwide protection.
Umbrella & Excess Liability
Layered liability protection designed for individuals with significant assets, public profiles, or elevated personal risk exposures.
"Collector vehicles require coverage that understands their true value — not just their market price."
General Liability
Third-party bodily injury and property damage coverage. Premises liability, products liability, and contractual liability programs for businesses of all sizes.
Commercial Property
Building, contents, business personal property, and business interruption coverage for commercial real estate and business operations.
Workers' Compensation
Statutory workers' comp, employers liability, experience modification management, and multi-state programs for businesses with employees.
Professional Liability
Errors & omissions, directors & officers, cyber liability, and employment practices coverage for professionals and organizations.
Commercial Auto
Liability and physical damage coverage for business-owned vehicles, fleets, and hired/non-owned auto exposures.
The Consigliere
for Your Risk Portfolio
Risk.Works is a concierge-style insurance and risk advisory practice built for people whose lives don't fit a standard application. If you have a collector car, a high-value home, a business, a collection, or simply a life that's more complex than average — this practice was built for you.
The mission is simple: protect extraordinary people and the things they care about most through tailored, relationship-based advisory. Not a call center. Not a portal. A trusted advisor who knows your name and your risk profile.
12+ Years Licensed
Over a decade as a licensed insurance broker and underwriter, with deep experience across standard, surplus-lines, and specialty markets.
Independent Perspective
Not captive to any single carrier. We work across the market to find the right fit for your specific risk profile — not the easiest commission.
Education-First Approach
Coverage explained in plain language. You will always understand exactly what you have, what you don't, and why it matters.
Complex Lives Welcome
Businesses, side ventures, collectibles, multiple properties, and layered household risks — this is where we thrive.
Meet Your Advisor
Joshua Fertel
Principal Advisor
Specialization
Nationwide Carriers & Brokers
Approach
Client-first risk advisory. I listen to your specific needs, devise tailored solutions, and deliver on commitments. Your goals drive every decision.
Experience
Extensive background in brokerage underwriting, technical risk assessment, and business development across diverse industries. Trusted relationships with carriers, brokers, and clients nationwide.
Trusted by Leaders
What our clients say
"Josh transformed how we think about risk. His strategic approach identified exposures we didn't know existed, and his solutions are practical and cost-effective."
M.R.
Chief Financial Officer, Mid-Market Manufacturing
"After 20 years with traditional brokers, we found someone who actually listens. Josh understands our business and acts like a true partner, not just a vendor."
D.K.
Managing Partner, Private Investment Group
"The difference is in the details. Josh doesn't just place insurance—he structures our entire risk profile. It's elevated our confidence in our coverage."
S.L.
General Counsel, Professional Services Firm
"Responsive, knowledgeable, and genuinely invested in our success. Josh is the rare advisor who combines expertise with accessibility."
T.H.
Owner, Specialty Retail
Ready to experience the difference?
Schedule a Consultation
Every engagement begins with a conversation. Tell us about your situation and we will respond within one business day.