Insurance structured around real financial risk.
At MHR Insurance Brokers, we advise high-net-worth individuals on how to structure insurance deliberately — focusing on meaningful financial exposure rather than unnecessary complexity or cost.
Most insurance looks comprehensive — until it’s tested.
Insurance was created to protect against serious financial loss. Over time, many policies have become layered with features and benefits that create the appearance of cover, without necessarily improving financial outcomes.
The result is often higher premiums, overlapping cover, and a false sense of security — particularly for individuals with complex financial lives.
Our role is to help clients think clearly about risk.
We believe insurance should be treated as a financial tool — not a product catalogue.
Our advice starts with understanding your financial position, risk tolerance, and long-term objectives. From there, insurance is structured intentionally, with each decision serving a clear purpose.
We do not focus on selling cheaper insurance.
We focus on structuring insurance that makes financial sense over time.
This approach works best for
- High-net-worth individuals with complex assets or exposures
- Business owners whose personal and commercial risks overlap
- Clients who value thoughtful advice over transactional selling
- Those seeking clarity, not volume
What we help clients with
Our advice typically includes:
- Structuring personal insurance portfolios around real financial exposure
- Advising on commercial and business-related insurance risks
- Reviewing existing cover to remove duplication and inefficiency
- Ongoing advice as financial circumstances change
All advice is provided independently, with access to researched and selected insurers.
Start with a conversation.
If you would like a structured discussion about how your insurance is currently positioned — and whether it aligns with your financial reality — we would be happy to talk.
