Comprehensive Insurance & Business Services
From tailored insurance coverage to strategic business solutions, we provide the essential support you need to thrive in today's competitive landscape.
Comprehensive coverage and risk mitigation strategies tailored to your business needs.
Boost your online presence with SEO, social media, and targeted advertising strategies.
Expert strategies and innovative solutions to optimize operations and drive growth.
Our team brings together decades of specialized expertise in insurance risk management, strategic business consulting, and digital transformation. With professional qualifications including MBA, FCII, FABE, SIRM, and CMgr MCMI, we deliver sophisticated solutions that protect your assets, optimize operations, and accelerate growth across complex regulatory environments.
Deep Industry Knowledge - Navigating insurance, reinsurance, and risk management with proven expertise.
Strategic Business Advisory - MBA-led consulting for sustainable growth and operational excellence.
Regulatory Compliance - Ensuring your operations meet industry standards and legal requirements.
Rapid Response & Delivery - Fast turnaround times with high-quality, actionable solutions.
What Drives Us
Built on Practicality, Realism, Reliability, Discipline, Sincerity, and Experience.
These foundational principles define the C-WAD approach and guide every client engagement we undertake.
Years Combined Experience
Decades of expertise in insurance risk management, strategic consulting, and business transformation across multiple sectors and complex regulatory environments.
Highest standards of integrity in all our actions
Passionate about delivering the highest quality of service to our clients
Working together across boundaries to meet client needs and drive success
Agile and responsive to the changing needs of our clients and the market
Chartered Insurance
Business Admin
Business Excellence
Risk Management
Management
Insurance expertise, digital acceleration, and bespoke advisory work together so your organisation can de-risk decisions, communicate with clarity, and capture new growth.
Comprehensive coverage design, risk mitigation strategies, and claims support tailored to your operations.
Auto Insurance
Covers damages and injuries from vehicle accidents
Life Insurance
Financial security for beneficiaries
Homeowner's Insurance
Protects home structure and belongings
Health Insurance
Mitigates medical and healthcare costs
Commercial Vehicle
Coverage for business vehicles
Risk Identification
Pinpoint threats and evaluate impact
Expert claims management with over 20 years of experience. Fast resolution for business interruption and material damage claims.
A multidisciplinary team spanning insurance, growth strategy, and brand communication ready to lead regulated organisations through ambitious change.
A Fellow of both the Chartered Insurance Institute and Association of Business Executives in the UK. MBA qualification from the university of South Wales and technical specialist in risk management. Leading complex insurance and business consulting engagements across multiple sectors with over 23 years of experience.
Technical
Dr Bintou Jobe Sanyang brings to C‑WAD Consultancy a powerful blend of frontline insurance underwriting experience, health and safety science expertise and academic rigour, enabling her to deliver practical, evidence‑based risk management solutions tailored to clients’ needs. With a proven track record in workplace evaluation and control, risk assessment, policy development, compliance support and stakeholder negotiation, she combines strong data‑analysis and project‑management skills with effective training and mentoring to strengthen safety culture, reduce organisational exposure and ensure regulatory resilience. Her background in market research and higher education further enhances C‑WAD’s capability to provide clear communication, bespoke advisory services and measurable improvements in operational safety and risk performance.
Technical
Esther Salma Herman-Smith is a dedicated insurance and underwriting professional at C-WAD Consultancy with hands-on experience in risk assessment, policy design, and claims oversight. She combines technical underwriting expertise with a client-first approach to deliver tailored, pragmatic insurance solutions.
A concise three-step rhythm keeps leadership aligned while subject-matter specialists deliver the detail.
Discovery Sprint
Rapid workshops uncover regulatory constraints, growth goals, and current risk posture.
Embedded Specialists
Lead consultant coordinates domain experts across insurance, consulting, and communications.
Momentum Reviews
Monthly alignment sessions translate insight into executive-ready actions and measurement.
20+
Years guiding complex claims & risk programmes
9
Regulated markets supported across insurance & financial services
4
Specialist disciplines aligned to every engagement
Curious about partnering with our team?
info@cwad-consultancy.comShare a little context and our lead consultant will respond within one business day. Prefer a direct line? We’re ready there too.
wmkgeorge@cwad-consultancy.com
The Gambia
Bakoteh Layout, Banjul
Mobile
+220 325 1984
United Kingdom
Barking, Jhumat House, 160 London Road, IG11 8BB
Mobile
+44 785 906 5342