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Exposure first
We map what could actually harm the business, modelled against cashflow and covenant, not against a panel of available policies.
Independent Risk Advisory
Risk, seen differently.
Independent risk advisory and risk management consulting for business owners and corporations in Ireland and the UK.
We help businesses and corporations look at insurable risk from a sharper angle, before the market ever sees it. Lex Advisory gives independent counsel on identifying, retaining and transferring risk, then hands the regulated work of placing cover to authorised specialists. We give counsel, not cover.
To be clear
Lex Advisory does not sell insurance, quote premiums, or bind risk. We advise. Authorised firms execute.
Why an advisory, not a broker
Most firms start with a product.
Most firms start with a product.
We start with your exposure.
A broker is paid to place cover. That shapes what they look at. An advisor with no policy to sell looks at the whole picture: how risk sits inside your balance sheet, your financing, and your enterprise value, long before a premium is ever quoted.
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Retain or transfer
Some risk is cheaper to hold than to insure. We show you where to finance your own risk and where the market genuinely earns its premium.
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Independent of placement
We hold no underwriting line and earn nothing on the cover you buy. Our advice is the product, so it has no reason to point you anywhere but right.
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Works with your broker
Keep the relationships you value. We sit above placement and make your existing broker more effective, never offer a "them or us" ultimatum.
Where we stop, and who takes over
One clean line between advice and execution.
This is the heart of how we are built. Lex Advisory takes the thinking as far as a recommendation. The regulated act of quoting and binding is handed, with your instruction, to an authorised firm that owns that responsibility in full.
Lex Advisory · Non-regulated
The advisory
Risk identification, framing, structuring and strategy. We prepare the analysis and the recommendation, and present the options. No quoting. No placement. No binding.
Authorised firm · Regulated
The execution
On your instruction, a licensed intermediary secures quotations, arranges terms and binds cover, accountable to its own regulator for that work. Listed in our network.
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Regulated execution partners across IE, UK, EU & EEA
50+
Years of combined brokerage, bonds and claims experience behind the network
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Underwriting lines held by the advisory. Our independence is structural
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Clean line between advice and regulated placement
The principle
An advisor who sells you nothing has nothing to sell you but the truth.
The structural case for independent risk counsel
The Network
Advice you can act on, the moment you choose to.
When a recommendation is ready to become cover, it moves to a regulated firm built for exactly that work. Each is authorised in its own jurisdiction and accountable for its own regulated activity.
Le Chéile Group
General commercial insurance, bonds, life, pensions & investments
Regulated by the Central Bank of Ireland
Visit →Jade Insurance
Personal and commercial lines insurance
Regulated by the Central Bank of Ireland
Visit →Lex Surety
Surety, performance and contract bonds
Authorised surety intermediary
Visit →Lex Risks
Marine, construction, bonds, alternative risk transfer
Regulated by the Malta Financial Services Authority (MFSA Brokers List BL/002)
Visit →
Common questions
Risk advisory, answered.
What an independent risk advisory does, where we operate, and the line we never cross.
Is Lex Advisory an insurance broker?
No. Lex Advisory is an independent risk advisory and risk management consultancy. We do not sell insurance, quote premiums, recommend a specific insurer for remuneration, or bind cover. We advise only. When you choose to act, the regulated work of placing cover is carried out by an authorised firm in our network.
What does a risk advisory actually do?
We identify and frame your insurable business risk, model where it is cheaper to retain risk than to transfer it, design the insurance programme that should result, and prepare an underwriter-ready submission. The output is independent counsel you can take to a board, lender or auditor.
Where does Lex Advisory operate?
We provide risk advisory and risk management consulting to corporates and business owners across Ireland and the United Kingdom, supported by a network of regulated insurance firms across Ireland, the UK, the EU and the EEA.
Can you work alongside our existing broker?
Yes. Because we earn nothing on the cover you buy, we are not competing for the placement. We can sharpen your existing broker's submission rather than replace the relationship.
How is Lex Advisory paid?
For advice, transparently and independently of any cover ultimately placed. We hold no underwriting line and receive no placement commission, so our risk advice carries no incentive to sell you anything.
Start with a question, not a quote.
Tell us what keeps you exposed. We will tell you how we would look at it, with no obligation and nothing to sell.