Marianne Rawlins, ARM
Marianne Rawlins is the Founder and Lead Consultant of Bradley Risk Management, with 25 years of experience in the commercial insurance industry and deep specialization in residential real estate portfolios. After spending the first 15 years of her career as a retail insurance broker and consultant, Marianne founded Bradley Risk to provide truly independent risk and insurance advisory, free from broker commissions and carrier incentives. Today, she works exclusively on behalf of owners, managers and investors, advocating for disciplined premiums, robust coverage, and risk strategies that support long-term portfolio performance.
About Bradley Risk Management
Bradley Risk Management was founded on a simple but uncommon premise: risk and insurance advice should be fully aligned with the client’s interests and not influenced by commissions, carrier relationships, or placement incentives.
Our founder, Marianne Rawlins, brings 25 years of experience in the commercial insurance industry, with the majority of her career focused on residential real estate portfolios. For the first 15 years of her career, she worked as a retail insurance broker and consultant, advising owners and operators on insurance placement, risk strategy, and program design.
Throughout that time, her passion consistently centered on negotiating renewals, restructuring inefficient insurance programs, and aggressively pushing for the most competitive premiums and strongest coverage terms possible. However, like many experienced brokers, Marianne became increasingly aware of an inherent conflict embedded in the traditional brokerage model. Insurance brokers are typically compensated through commissions or fees that are directly or indirectly tied to insurance premiums, meaning there is little natural incentive to materially reduce premiums unless external pressure forces the issue.
In 2015, Marianne made the deliberate decision to step away from that model and launch Bradley Risk Management as an independent risk management consulting firm. From the outset, the firm was intentionally structured to receive no revenue from the insurance industry, directly or indirectly. We do not sell insurance. We are not paid by brokers or carriers. Instead, we bill our clients directly for the time and expertise spent advocating on their behalf.
This structure fundamentally changes the dynamic. Our advice is unbiased, our incentives are aligned, and our success is measured by outcomes, not placements. In practice, our fees are typically a small fraction of the savings, risk reduction, or deal protection our involvement achieves.
For more than a decade, Bradley Risk Management has supported multifamily owners, operators, and investors across the full lifecycle of their portfolios, from acquisitions and insurance procurement to claims management, contract risk transfer, and platform growth. We are proud of the long-standing client relationships we’ve earned and the trust placed in us to serve as an independent advocate in complex, high-stakes decisions.
At our core, Bradley Risk exists to ensure risk management works in service of the business, helping clients close deals, control insurance costs, reduce operational risk, and scale with confidence.
Independent by design. Aligned by principle. Focused on results.