“If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business”
- Gary Cohn
Welcome to "Why Worry Risk Management"
Your Trusted Resource for Insurance Education and Risk Management Insights
At Why Worry Risk Management, we believe that informed choices lead to confident lives. Whether you’re protecting your family, investing in a luxury home, or running a company, insurance shouldn’t be confusing. Our mission is to make coverage and risk management approachable for individuals and business owners across Ontario by turning complex policies into plain language.
About Why Worry Risk Management
Founded by David Austin, a RIBO‑level 2 licensed broker and Canadian Risk Management (CRM) professional, we blend real‑world industry experience with a passion for education. After years of advising clients, David saw that many people feel overwhelmed by insurance. Why Worry Risk Management is his answer: a platform rooted in clarity, integrity and the goal of empowering people through knowledge.
Who We Help
Individuals: From high‑value homes and vacation properties to collector cars and fine art, we provide practical advice so you can protect what matters most. Our guides help you navigate policy options, avoid common pitfalls and make the most of your coverage.
Businesses: Risk is part of doing business but unmanaged risk can jeopardise everything. We equip entrepreneurs and decision‑makers with insights on commercial property, general liability, business interruption, cyber threats and compliance obligations, helping you build resilient operations.
What You’ll Find
We’re more than consultants we’re your digital library for all things insurance and risk. On our blog you’ll discover:
Clear explanations of policy types and industry terms.
Real‑life scenarios and lessons learned from claims.
Guides and checklists for managing personal or business risks.
Expert interviews & trend insights that explore market movements and emerging regulations.
Specialty topics, from cyber liability and estate planning to luxury asset protection.
Whether you’re a first‑time homeowner or a seasoned entrepreneur, our content helps you make smarter decisions without the jargon.
Specialised Topics We Cover
Although education is our primary focus, we still dive deep into complex coverage areas, including:
Luxury property & asset protection from high‑value homes and extended replacement cost policies to multi‑property coordination.
Collectibles & valuable articles insuring fine art, antiques, jewellery and temperature‑sensitive wine collections.
Specialty vehicle coverage understanding exotic and classic car policies, agreed value vs. actual cash value, and transport considerations.
Watercraft & marine risk covering yachts, crew and navigational liabilities for seasonal or international boating.
Business risk & insurance strategy covering commercial property, general liability, business interruption, cyber threats and family‑run business planning.
Our Philosophy & Why Choose Us
Insurance shouldn’t be perplexing. We lead with education, so you understand the “why” behind your coverage choices. Our expertise is backed by professional credentials and real‑world experience, but we tailor everything to the real questions and situations you face each day. Importantly, we’re strategic—not sales based: our independence means we aren’t here to push products but to help you make confident, strategic decisions.
Ready to demystify insurance?
Explore our blog to get started, or reach out when you’re ready for personalized guidance. At Why Worry Risk Management, we don’t just sell peace of mind—we teach you how to build it
At Why Worry Risk Management, we don’t just sell peace of mind—we teach you how to build it.