Frequently Asked Questions
Running a business means worrying about a thousand things. Risk shouldn't be one of them. We've compiled the questions we hear most often from folks like you. Can't find what you're looking for? Just call us.
We identify threats to your business. Then we build defenses. That means asset protection strategies, liability exposure reviews, cash flow safeguarding, and succession planning that actually works. We're not insurance brokers. We're risk architects. We look at the whole picture—your operations, your market, your vulnerabilities—and create a protection blueprint that fits your situation, not some generic template.
Pricing depends on your business size and complexity. A small operation with straightforward risks? Different ballgame than a manufacturing company with 47 employees and supply chain exposure. We charge either flat fees for specific assessments or retainer agreements for ongoing protection and quarterly reviews. No hidden add-ons. We quote everything upfront. Payment terms are flexible—monthly, quarterly, or annual works fine.
Initial consultation? That's free. We ask hard questions. You get honest answers about your vulnerabilities within 3-5 days. A full risk assessment takes 2-3 weeks depending on your complexity. Building your custom strategy? Another 2 weeks typically. Some clients need faster turnaround. We can compress timelines. Rush work costs extra, but we'll tell you that upfront.
No honest business will make that promise. What we guarantee is thorough analysis and actionable recommendations. We've worked with 143 regional businesses. Clients who implement our strategies see measurable risk reduction—fewer claims, better insurance rates, stronger legal positioning. We back our work. If you follow our plan and something gets missed that we should've caught? We address it. That's professional responsibility.
We're strongest with manufacturing, professional services, construction, retail, and hospitality. But here's the truth: risk management principles adapt across industries. We've guided restaurants through supply vulnerabilities and contractors through bonding complications. Our methodology works because we focus on your specific operations, not cookie-cutter sector assumptions. Unusual business model? Even better. That's where most gaps hide.
Three ways. Call +40 971 153 232 directly. Email info@harborcapitalguard.ro with your situation and we'll respond within 24 hours. Or visit us: Strada Dorobanți 94, 839635 Constanța, București. Walk-ins are fine, but scheduling ahead means you get our best attention. Most initial consultations run 45 minutes and cost nothing. We ask questions. You decide if we're the right fit.
Implementation is your responsibility, but we guide it. We provide a detailed action plan with timelines. Then—and this matters—we check in quarterly. Markets shift. Regulations change. Your business grows. Your risk profile changes with it. Retainer clients get regular strategy reviews and adjustments. One-time assessment clients can renew for updates. Most businesses need a tune-up every 12-18 months.
Yes. If you're dealing with an active liability issue, partnership dispute, or operational breakdown, we move fast. Crisis work is different from preventive strategy. We assess damage, recommend immediate protective actions, coordinate with your legal team if needed. It costs more because it's urgent work. But the alternative—fumbling through a crisis alone—costs much more. Call today if you're in immediate trouble.