Tracy H.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I help startups avoid expensive insurance mistakes and build the right coverage from day one. With 15+ years leading insurance strategy at companies like Instacart, Uber, and Postmates, I’ve managed over $100M in total cost of risk and designed programs for fast-growing, complex businesses. But more importantly—I understand how confusing and opaque insurance feels if you’re not deep in it. Most early-stage and scaling companies either: - Buy the wrong coverage - Overpay for things they don’t need - Miss critical risks that come back later That’s where I come in. I act as an independent advisor—translating insurance into plain English, helping you make smart decisions, and ensuring your program actually matches how your business operates. I can help with: - Determining what insurance you actually need (and what you don’t) - Reviewing broker proposals and identifying gaps or overspending - Structuring coverage for marketplaces, tech platforms, and contractor models - Preparing for fundraising, contracts, or enterprise customer requirements - Scaling your insurance program as you grow I’ve sat on the client side my entire career, negotiating with carriers and brokers—so I know exactly how the system works (and where it doesn’t work in your favor). If you want a strategic partner who can simplify insurance and help you get it right the first time, I’m happy to help.