The Story-Within-A-Story

A Legacy of Protection, Built on Understanding

At Why Worry Risk Management, our story begins with a simple belief: risk management isn’t just about policies—it’s about people. It’s about protecting the lives, goals, and legacies that individuals and business owners work tirelessly to build.

Founded by David Austin, a York University graduate and licensed insurance broker with a Canadian Risk Management (CRM) designation, Why Worry Risk Management was created out of a desire to do more than sell coverage. David saw a gap in the insurance world—too much complexity, too little clarity. He set out to create a space where education, trust, and truly personal service could thrive.

From the beginning, our mission has been to help people feel confident—not confused—when it comes to risk. We understand that behind every policy is a story: a family protecting their home, an entrepreneur safeguarding their business, or a collector preserving something deeply meaningful. Your goals and your values matter, and we’re here to help you protect them with intention and insight.

Over the years, our work has spanned everything from luxury homes and rare art collections to growing businesses and succession planning. But no matter the client or coverage, our approach stays the same: listen first, educate clearly, and craft thoughtful, tailored strategies that align with what matters most to you.

Why Worry Risk Management is more than a consulting firm—it’s a partnership. A space where education meets expertise, and where every client is treated like a part of the family. We're here to walk with you through uncertainty, offer clarity when you need it most, and help you build a foundation that lasts.

Because when your future is built on knowledge and trust, you worry less—and live more.