Leadership Team

Founder and CEO – Bryan Wilburn – began his career as a transactional wholesale broker in the early 1990’s.  He started Southwest Risk, LP in 2004, which grew into the one of the largest U.S. property insurance programs for garden-style apartments.  After selling the business in 2008, he remained as CEO until 2012.  He started Risk Theory, LLC in 2012, and in 2013, formed Risk Point, LLC., which was the first of many companies that operate under the Risk Theory Group.  Bryan’s goal is to “hire the best athlete at every position.  As CEO, Bryan provides strategic direction to the operations and growth of the businesses.  Bryan is a graduate of the University of Texas at Austin.

COO & CUO – Gary Marshall – CPCU – has a broad insurance background which includes 6 years in Claims at Progressive and Zurich (Universal Underwriters), and 25 years in Underwriting at Zurich and GMACI (Ally).  He has specialized in underwriting all coverage lines for franchised auto dealers and began specializing in dealer open lot insurance in 1999.  He managed a $100,000,000+ garage package program in the late 1990’s, and then moved to New Jersey where he managed the underwriting of GMAC’s (Ally) U.S and Canada Floor Plan programs for many years. Gary is responsible for assuring highly competent underwriting occurs within each underwriting unit, as well as line operations areas within Risk Theory.  He is a graduate of Union College and has his CPCU designation.

CFO – Jarred Brown  – has a unique blend of financial and operational experience with over 18 years of experience within financial service industries. His background includes serving in a variety of investment and operational roles for a leading middle market private equity firm, working within companies and on transactions in healthcare service and financial service industries. Jarred began his career with a regional accounting firm serving high net worth individuals and privately held businesses. Jarred is a Certified Public Accountant and earned a BS in Accounting from Birmingham Southern College.  Jarred leads the support services team of Risk Theory including the accounting and the analytics teams.

SVP, CCO & General Counsel – Richard Schwartz – has represented or worked within the insurance industry for 28 years.  He was an insurance trial attorney for Wilson, Elser, and then was in-house E&O counsel for Alexander & Alexander.  Richard later joined U.S. Risk Insurance Group and was as the President of Professional Claims Managers, its specialty Professional Liability TPA, for 10 years.  Richard also served as US Risk’s chief legal and compliance officer for over 18 years before joining Risk Theory.  Richard currently serves as the group’s chief legal and compliance officer as well as the manager of its professional liability underwriting division.  Richard is a noted expert on professional liability insurance coverage, and speaks regularly on the topic.


Risk Theory companies are committed to affecting change in the marketplace and throughout the world. Through the support of various organizations, Bryan Wilburn and our leadership team have made social responsibility not just an initiative but a limitless opportunity for employees and their families. We advocate volunteerism, workplace giving and corporate sponsorship for local charities and national organizations. This year Risk Theory companies will raise meaningful contributions and serve significant volunteer hours in support of local and global initiatives.

Our companies were born of solid relationships with partners and great people, and that genesis drives the decisions we make today. We are committed to preserving those relationships throughout our companies with partners and vendors and with our employees, their families and our customers who are the core of our business.

Our commitment to servant leadership is powered by a passion for the well-being and growth of our customers, communities, and partners; we aim to place others ahead of ourselves.

Quality and integrity are the foundation for all we do. It is our pledge to provide quality products and exceptional service to our customers. We are open and honest in our dealings, both externally and internally. We are committed to doing the right thing, the right way, all the time.

We consistently meet the demands of the market through creative and dynamic solutions.

Risk Theory in the News

November 10, 2019  – Auto Rental News: Risk Theory Teams with MADIS for OEM Rental Car Insurance Programs

January 31, 2018 – Insurance Quarterly: Risk Theory, Winning The Race

January 31, 2018 – Insurance Journal: Risk Theory Launches Auto Service & Repair Garage Program

September 11, 2017 – Automotive News: Skipping background check could be costly

August 1, 2017  – Fender Bender: Increasingly Expensive Repairs Raising Total Loss Frequency

June 9, 2017 – Insurance Journal: Risk Theory Adds Garage Package for Franchised Auto Dealers

May 7, 2017 – Automotive News: The cost of life-saving tech: Totaled cars

January 27, 2016 – Insurance Journal: Risk Point Launches RV Dealer Physical Damage & Garage Package

January 15, 2016 – Insurance Business Magazine: RTIS Names Top E&S Broker

November 23, 2015 – IA Magazine: Risk Theory Answers Demand for Auto Dealers’ Open Lot Cover

October 11, 2015 – Insurance Journal: Dallas-Based Risk Theory Names Tschippert Senior VP

May 19, 2015 – Claims Journal: Risk Point Announces Hail Estimating Model to Curb $250M Overpayment

May 15, 2015 – Repairer Driven News: Risk Point: New PDR-centric model could slash dealership hail reimbursements

June 18, 2014 – WARDSAUTO: Risk Point, LLC Announces Truck Dealer Open Lot Insurance

April 3, 2013 – Insurance Journal: Risk Point, LLC Seeks Agents for New Auto Dealer Physical Damage Program