Charter Insurance & Consulting

What Charter Insurance & Consulting does

Charter Insurance & Consulting, operating under the trade name Charter Energy, is a privately held boutique risk advisory firm headquartered in Atlanta, Georgia. Founded in 1985 by Peter J. Lunati after his tenure at Standard Oil Company of Ohio (now BP), the firm specializes in enterprise risk management for the energy, heavy industry, private equity, and special-situations sectors, serving over 250 clients across more than 20 countries with reported client enterprise value exceeding $400 billion. The firm is structured around three integrated service pillars: Risk Advisory (strategic risk modeling, contractual risk control, HSSE/ESG program development), Risk Transfer/Insurance/Surety (insurance placement, captive management, claims assistance), and Private Equity Services (transaction due diligence, M&A risk advisory, IPO/SPAC risk management).

Charter's technical foundation is the "Charter Platform," a proprietary risk modeling architecture designed to predict and mitigate risks that form critical clusters or create "contagion" effects between local, global, and enterprise-level exposures. The firm generates revenue through professional services fees, including advisory retainers, transaction-based fees for M&A and PE engagements, and insurance placement commissions. Its go-to-market motion is sales-led and relationship-driven, with senior team members engaging clients directly through face-to-face interactions and field work. Pricing is quote-based and negotiated per engagement, with no publicly disclosed rate structure. The firm operates a quality-over-quantity model, retaining clients for an average of 20 years and serving both small middle-market operators and large multinational enterprises.

Name

Charter Insurance & Consulting

Legal name

Charter Energy

Website

https://charterenergy.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

Charter Insurance & Consulting is a boutique risk advisory firm serving energy, heavy industry, private equity, and special-situation clients with integrated risk modeling, insurance placement, and transaction due diligence services across 20+ countries.

Ownership category

akta.pro rank

Product category

Risk Advisory and Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Management Consulting Services (54161)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Captive Insurance Advisory & Management (FSAEADAF), Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

Keywords

• Enterprise risk advisory
• Risk transfer insurance
• Private equity risk
• Contractual risk control
• Energy risk management

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Risk Advisory Services: Charter Energy generates revenue through professional risk advisory fees, consulting services, and insurance placement commissions. Their services range from basic office policies to complex global programs, with revenue derived from advisory retainers, transaction-based fees for M&A and PE work, and insurance placement/surety commissions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Charter Insurance & Consulting provides integrated enterprise risk advisory, insurance/surety placement, and private equity transaction risk services to energy, heavy industry, and special-situation clients. The firm embeds senior advisory teams with client corporate teams to deliver risk strategy, contractual risk control, transaction due diligence, HSE/ESG program development, and total cost of risk optimization. Services range from basic office insurance policies to complex global programs including property, casualty, cybersecurity, transaction insurance, and construction programs.

Product overview

Charter Energy operates as a unified risk advisory platform serving the energy, heavy industry, private equity, and special-situation sectors. The platform comprises three integrated service pillars: Risk Advisory Services (delivered through a proprietary platform providing embedded advisory teams, contractual risk control, and HSE/ESG program development), Risk Transfer/Insurance/Surety (covering insurance placements, surety programs, captive management, and claims assistance), and Private Equity Services (providing transaction risk management for M&A, IPOs, and capital markets transactions). The Charter Platform serves as the foundational architecture enabling long-term partnerships and coordinated service delivery across all client engagements.

Differentiator

Problem solved

Functional benefit

Products and services

• Risk Advisory Services Charter's strategic niche delivered through a proprietary platform, embedding advisory teams with client corporate teams to support risk strategy, contractual risk control, transaction due diligence, and HSE/ESG program development for energy, heavy industry, and special-situation clients.
• Risk Transfer / Insurance / Surety Comprehensive risk transfer services including insurance placements, surety programs, benchmarking, total cost of risk analysis, risk financing, captive implementation and management, loss control, and claims management. Coverage spans property, casualty, cybersecurity, transaction insurance, and construction programs for clients ranging from small offices to multinational enterprises.
• Private Equity Services Industry-agnostic transaction risk services covering mergers and acquisitions, management buyouts, IPOs, and SPAC/De-SPAC transactions. Services include transaction due diligence, document review, post-transaction risk transfer, reps and warranties insurance, contingent liability coverage, and portfolio insurance programs for PE firms and their portfolio companies.

Quantifiable outcome

• Average client retention of 20 years
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Marsh: Marsh is the world's largest insurance broker and risk advisor, providing the same risk advisory, insurance placement, and risk management services that Charter offers, but at vastly greater scale and across all industries globally.
• Willis Towers Watson (WTW): WTW delivers risk advisory, insurance brokerage, and advisory services including transactional and PE-related risk solutions — closely aligned with Charter's integrated advisory + placement model across corporate and investor clients.
• Aon: Aon is a global professional services firm offering risk advisory, insurance and reinsurance brokerage, and captive management — directly overlapping with Charter's advisory, placement, and captive offerings across energy and PE end markets.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm providing commercial and specialty lines placement, captive services, and M&A advisory — competing with Charter across energy, heavy industry, and PE clients.

Direct peers

• Hub International: Hub International is a full-service insurance brokerage offering property/casualty, benefits, and risk advisory services to commercial clients, including energy and PE-related accounts comparable to Charter's client base.
• Brown & Riding: Brown & Riding is a specialty wholesale insurance brokerage and reinsurance broker with significant energy, mining, and heavy-industry practices — directly comparable to Charter's specialty energy/heavy-industry risk and placement focus.
• Alliant Insurance Services: Alliant is a specialty insurance brokerage providing risk advisory, captive management, and energy/construction-focused placements, mirroring Charter's mid-to-large commercial and specialty client mix.
• CRC Group: CRC Group is a wholesale specialty insurance brokerage offering property, casualty, professional lines, and energy/construction programs — competing directly with Charter on complex specialty placements for energy and industrial clients.
• Lockton: Lockton is the world's largest independent (private) insurance brokerage, operating a relationship-led, boutique-style model very similar to Charter, with deep energy/specialty practices and embedded advisory teams supporting complex enterprise risks.
• RPS (Risk Placement Services): RPS is a specialty insurance brokerage (now part of RPS/RPSG) focused on excess and surplus lines, energy, construction, and complex commercial placements, closely aligned with Charter's specialty lines and energy/hard-to-place risk work.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Charter Insurance & Consulting