What is your total cost of risk?
Risk is inherent in doing business, but unmanaged risk can quietly erode everything you’re working to build. Most companies focus only on insurance premiums, missing larger unseen costs like downtime, liabilities, and lost opportunities.
The Hidden Cost of Risk
Businesses operate on assumptions, some known, others unnoticed, about their risks and coverage. But hidden exposures and indirect costs often fall outside these assumptions, quietly threatening profitability, as no insurance policy covers all risks.
Hidden Exposures
Unseen vulnerabilities that traditional assessments miss.
Indirect Costs
Business disruption and opportunity costs beyond premiums.
Lost Profitability
Lost business or opportunity from unexpected interruptions.
A Proactive Risk Strategy
HK Henderson is more than an insurance broker, we are your strategic risk partner. Our advisors work as an extension of your team, identifying, assessing, and prioritizing risk exposures that help you with clarity and better business decisions.
Solutions Beyond Insurance
By understanding your business we prioritize your success.
Competitive Advantage
By understanding your business we prioritize your success
How We Help
Three pillars of enterprise risk services designed to protect and grow your business.
Our Approach
A proprietary Identify–Assess–Prioritize process that uncovers hidden risks and aligns risk management with your business goals.
Strategic Risk Advice
Ongoing consulting that goes beyond insurance placement, focusing on risk prevention, sector-specific guidance, and business-first problem solving.
Thought Leadership & Events
Leading conversations on risk through executive education, workshops, and community events that keep you ahead of emerging challenges.
Why It Matters
Key outcomes clients experience by partnering with HK Henderson’s risk advisors.
Protect Your Profitability
Minimize chance and exposure to unexpected interruptions to your bottom line.
Operational Resilience
Anticipate disruptions and maintain business continuity under pressure through robust risk planning.
Lower Total Costs
Improve your risk profile to earn better insurance terms and lower premiums over time.
Enable Growth
With risks under control, pursue opportunities and strategic growth with confidence.
Strong Reputation
Earn trust among customers, partners, and communities through effective risk management.
Stakeholder Trust
Build lasting relationships through transparent and reliable risk management practices.
How HK Henderson Is Different
Holistic Risk View
We examine all facets of risk – strategic, business, and hazard – not just insurable incidents.
Industry Specialists
Our advisors are sector specialists who understand the unique challenges in your industry.
Advisors, Not Vendors
We act as trusted advisors, investing time to understand your business and future plans.
Navacord Strength
Local boutique service backed by national resources and greater negotiating power.
Get your business a strategic partner
If this sounds different from your experience with insurance, it’s time to speak with one of our Advisors.