Independent risk consulting for private clients and businesses who expect more than the standard conversation.
The insurance market is organised by product. By panel. By remit. By the specialist role each adviser is appointed to perform. That structure has value. It is how specialisms are built.
But complex clients do not live inside one category. Personal wealth, corporate exposure, international mobility, family protection, succession, and legacy often overlap. LAG Consulting was created for that space. Before a product is discussed, before a placement is made, before the conversation becomes too narrow.
We look at what is in place. What is not. What may have been missed. What deserves closer attention. When our analysis identifies something that requires action, we connect clients with trusted, specialist partners who have the capability to execute. The analysis always comes first.
Property across jurisdictions. Yachts. Fine art. Existing life and protection arrangements. We work with private clients whose affairs do not sit neatly within a single policy, provider, or jurisdiction. We look at the whole, document what is in place, and present a clear account of where things stand. Our review records the structure of existing arrangements and maps where exposures sit.
A business changes. Its risk programme rarely keeps pace. We review what is in place, identify what has changed, and present a clear account of where things stand — gaps, overlaps, and exposures included. Findings are documented and structured for internal presentation where needed.
Group health. Corporate life. Key person. Your benefits say more about your company than your careers page. We review what is in place, how it compares to market standards, and whether the structure reflects the workforce it is meant to serve. Findings are benchmarked and structured for HR or board review.
Behind every transaction sits a risk picture that numbers alone cannot reveal. We examine operational, organisational and insurance exposures, providing an independent perspective to businesses, investors and M&A advisers as part of the wider due diligence process.
When a matter moves beyond review, we connect clients with trusted, specialist partners suited to the next step. Chosen for capability, discretion, and fit. We remain close to the picture, while authorised partners handle placement or execution where required.
Your affairs span jurisdictions, structures, and asset classes. Property here, a life policy there, a holding structure somewhere else — each often managed within its own mandate. We look at the whole: what is in place, what has changed, and what sits between moving parts.
Coordinating across a family's advisers is itself a specialism. Risk often sits between the lawyer, the asset manager, the broker, and the wider advisory team. LAG Consulting provides an independent review that maps the full picture, documented and presentable across the family's wider advisory team.
A risk programme that made sense three years ago may not reflect the business today. Before a board review, acquisition, new market, or significant event, an independent review gives you a documented account of where things stand. Findings are structured for internal presentation.
Smaller businesses often grow faster than their arrangements. Renewals become reactive, decisions are made under pressure, and the wider picture can become unclear. We review what is in place, what has changed, and what deserves attention before the next renewal, expansion, or significant decision.
A discreet, no-obligation conversation. We listen carefully, ask the right questions and begin with the wider picture.
A considered review of the arrangements in place — personal, corporate or both. Bringing structure to how they connect and where the key considerations sit.
A clear, carefully structured report documenting the findings for your own use or for discussion with your wider advisory team.
Where a matter moves beyond review, we connect you with trusted specialist partners suited to the next step.
Good insurance is invisible. Inadequate insurance only becomes visible when it is too late.
Laura has spent over a decade working across insurance, asset management and cross-border risk, in senior roles within internationally regulated financial services businesses in Malta. Her experience spans international private medical, life, protection and corporate benefits, giving her a broad view of how personal, corporate and international arrangements often connect.
Dip CII qualified and a member of the Chartered Insurance Institute, Laura founded LAG Consulting to bring a more considered lens to clients whose affairs do not sit neatly within one product, one provider or one conversation. Her work is grounded in structure, discretion and the ability to see how separate arrangements form part of a wider picture.
LAG Consulting reflects a simple belief: complex affairs deserve clarity before action. The firm exists to bring structure before selection, perspective before product, and clarity before decisions are made.
Complex does not have to mean opaque.
Experience applied carefully, without noise or assumption.
Your affairs remain private. Without exception.
A broker remains central where cover, advice or placement is required. LAG Consulting works alongside that structure, bringing a wider view of the picture: what is in place, how arrangements connect, what has changed and what deserves attention before the next decision is made.
No. LAG Consulting provides consulting, review and risk analysis. We do not arrange or place policies. Where a matter moves beyond review, we connect clients with trusted specialist partners suited to the next step.
Fees are agreed before any engagement begins. Depending on the scope, this may be a fixed project fee or an ongoing retainer. Where an introduction to a specialist partner results in an introducer fee, this will be disclosed in writing before the introduction is made.
Yes. Growing businesses often change faster than their arrangements. New hires, contracts, markets, benefits and obligations can alter the picture quickly. We help SMEs understand what is in place, what has changed and what deserves attention before the next renewal, expansion or significant decision.
A private, no-obligation conversation, typically lasting 30 to 45 minutes. We listen to your situation, ask the right questions and give you a clear view of whether and how we can help. No pressure. No jargon.
Technology can read a document. It cannot understand the full context around it: the family structure, the business, the jurisdiction, the asset, the adviser relationships or the reason an arrangement was put in place. At this level, insurance is not only a policy question. It is a question of context, structure and consequence. That requires experience, judgement and someone accountable for the view.
A private, no-obligation conversation with one brief: clarity. When you are ready, so are we.