RWL Group

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About Us

Your Trusted Independent Risk Consultants


We are RWL Group

 is an independent risk management and insurance consulting company. We do not sell insurance and we are not affiliated with any insurance company or service provider. We operate strictly on a fee for service basis. This means that the professional research, analysis and the recommendations we provide are truly objective and unbiased.  Our fees for services rendered are structured to meet your budget needs, either hourly, per project or monthly “retainer”.

Our Risk Management Consultants have a proven track record of solving problems common to most organizations – as well as those unique to your industry and location. Our consultants are second to none. As an added benefit, we are skilled at identifying exposures and developing risk management solutions.

 is successful because we are reliable. Founded in 1981, we have grown steadily by providing practical and creative solutions to a diversity of risk management challenges. Review our website to become familiar with the various business-to-business services we offer. Then call or email us today.


Areas We Serve

RWL Offices


Meet Our Consultants

Carolyn A. Miller

Carolyn A. Miller

President and Senior Consultant

Ms. Miller is the President and Senior Consultant with over forty-five years of experience in property and casualty insurance services. Before joining RWL Group, she provided extensive litigation support to attorneys and clients, and was instrumental in returning in excess of $200 million in casualty lines premiums, primarily workers compensation, to Texas and multistate employers. In addition, Ms. Miller was affiliated with large independent insurance agencies responsible for large commercial property and casualty accounts. She has extensive experience in risk identification, Risk management reviews, preparation of bid specifications and monitoring the bidding process in such industries as professional sports, oil and gas, large retail, banking and finance, property management, and trucking. Ms. Miller also has extensive experience as an expert witness. Ms. Miller has a Bachelor of Science Business Management degree from LeTourneau University, Summa Cum Laude. She has earned the designation of Chartered Property and Casualty Underwriter (CPCU). In addition, she has been awarded the designations of Certified Professional Insurance Woman (CPIW) and Professional Insurance Woman of Texas (PIWT). Ms. Miller has served as an adjunct faculty member for El Centro College in Dallas teaching CPCU classes and other insurance courses.

Bob Lazarus

Robert W. Lazarus


Robert W. Lazarus started RWL Group in 1981 as an independent risk management consulting company with no ties or affiliations to agencies or brokers. He brought the company to success over the next forty years and always kept the label “independent” instilled in his employees. When Mr. Lazarus passed away in November of 2021, Carolyn Miller purchased the business, after working for RWL Group for almost twenty years. The new business name is Independent Risk Management and Insurance Consulting, LLC, dba RWL Group.


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