KJ Risk Group is a risk consultant and insurance broker specialising in Discretionary Mutual Funds (DMF's), corporate and private insurance broking as well as workers compensation. We specialise in DMF's, an alternative approach to insurance. Rather than simply transferring risk to insurance companies, we set up funds for business owners that share a common risk profile. This collaborative approach gives our clients the ability to retain and control their risk, the goal being to lower claims and lower costs. In contrast to traditional insurance, a DMF is established using clients funds, is owned by those clients and run for their benefit. As well as managing DMF’s, we are experts in Corporate Insurance Broking, Workers Compensation and Private Client Insurance Broking. One of our key philosophies is to take a highly personalised and customised approach to the design and management of corporate insurance programs and private asset portfolios, even extending this into the protection of our client's families.