Business Details
45 Years
experience
Independent Risk Management Consulting Services
RWL Group is an independent risk management and insurance consulting firm established in 1981. We operate strictly on a fee-for-service basis without affiliations to insurance companies, ensuring objective and unbiased recommendations. Our consultants bring decades of experience in identifying business vulnerabilities and developing tailored risk management strategies. We specialize in risk assessment, cyber liability management, expert witness services, and insurance program analysis for both private and public sector clients. Our team includes senior professionals with designations such as Chartered Property and Casualty Underwriter (CPCU) and Certified Professional Insurance Woman (CPIW).We serve industries ranging from construction and healthcare to government entities and maritime operations. Our approach combines deep industry knowledge with customized solutions to enhance business resilience. With offices in Richardson and Austin, Texas, we provide nationwide consulting services while maintaining a client-focused commitment to practical, innovative risk management. Our track record includes recovering over $200 million in premiums for clients through expert analysis and negotiation.
Services
Risk Management
Cyber Liability
Expert Witness
Insurance Consulting
Risk Assessment
Details
- Year established: 1981
Highlights and features
- We offer 40+ years of independent risk management expertise
- Our fee-for-service model ensures completely unbiased recommendations
- We develop customized risk strategies for unique business exposures
- Our consultants hold elite industry designations like CPCU and CPIW
- We've recovered over $200 million in premiums for clients
Services
Risk Management
Our independent risk management services analyze business exposures and develop customized mitigation strategies. We evaluate insurance programs for coverage adequacy, recommend risk financing options, and implement safety protocols. Our consultants help clients across industries manage property, liability, and operational risks through objective, data-driven solutions.
Cyber Liability
Cyber liability risk management protects businesses from data breaches and technology-related exposures. We assess cybersecurity preparedness, evaluate insurance coverage for digital assets, and develop incident response plans. Our experts coordinate with IT departments to implement proactive measures that reduce cyber threat vulnerabilities and associated financial losses.
Expert Witness
Our expert witness services provide technical insurance analysis for legal cases. We offer policy interpretation, coverage dispute resolution, and claims audit expertise in property and casualty insurance matters. With decades of industry experience, our consultants deliver authoritative testimony and litigation support for insurance-related legal proceedings.
Insurance Consulting
Independent insurance consulting services evaluate business insurance programs for effectiveness and cost efficiency. We analyze coverage gaps, negotiate terms with providers, and recommend risk transfer strategies. Our fee-based approach ensures unbiased recommendations aligned with each client's specific risk profile and financial objectives.
Risk Assessment
Comprehensive risk assessments identify potential threats to business operations and financial stability. We examine property, liability, and specialty risks to determine appropriate coverage levels and mitigation measures. Our consultants use industry-specific expertise to develop risk management frameworks that enhance organizational resilience and decision-making.
People
Carolyn A. Miller
President and Senior Consultant
Carolyn Miller has 45+ years in property and casualty insurance, with expertise in risk identification and expert witness testimony. She holds CPCU, CPIW, and PIWT designations and has recovered over $200 million in premiums for clients.
Robert W. Lazarus
Founder
Robert Lazarus established RWL Group in 1981 as an independent consulting firm. He built the company's reputation for objective risk management solutions before passing leadership to Carolyn Miller in 2021 after 40 years of service.
Questions
What services does RWL Group offer?
We provide risk management consulting, cyber liability assessment, expert witness services, and insurance program analysis for businesses and government entities nationwide.
Are you affiliated with insurance companies?
No, we operate independently with no ties to insurance providers, ensuring completely objective recommendations and solutions tailored to client needs.
How do you charge for services?
We use fee-for-service pricing structured hourly, per project, or via monthly retainer to meet client budget requirements.
What industries do you serve?
We work with private sector clients in construction, healthcare, energy, and more, plus public sector entities including cities, schools, and government agencies.
What makes your firm different?
Our independence, senior-level consultants with 30+ years experience, and proven track record recovering millions in premiums for clients set us apart.
Do you offer expert testimony services?
Yes, we provide expert witness support for insurance-related legal cases, including policy interpretation, coverage disputes, and claims audits.
