Unlock your path to success

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.

FCII
Certified Experts
MBA
Qualified Team
FABE
Excellence

Insurance & Risk Management

Comprehensive coverage and risk mitigation strategies tailored to your business needs.

Digital Marketing

Boost your online presence with SEO, social media, and targeted advertising strategies.

Business Consulting

Expert strategies and innovative solutions to optimize operations and drive growth.

Led by certified experts

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.

20+

Years Combined Experience

Decades of expertise in insurance risk management, strategic consulting, and business transformation across multiple sectors and complex regulatory environments.

Integrity

Highest standards of integrity in all our actions

Excellence

Passionate about delivering the highest quality of service to our clients

Collaboration

Working together across boundaries to meet client needs and drive success

Adaptability

Agile and responsive to the changing needs of our clients and the market

Professional Certifications

FCII

Chartered Insurance

MBA

Business Admin

FABE

Business Excellence

SIRM

Risk Management

CMgr

Management

Services shaped around your ambition

Insurance expertise, digital acceleration, and bespoke advisory work together so your organisation can de-risk decisions, communicate with clarity, and capture new growth.

Insurance & Risk Management

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

AJG Business Assist

Expert claims management with over 20 years of experience. Fast resolution for business interruption and material damage claims.

Our People

Expert consultants dedicated to your success

A multidisciplinary team spanning insurance, growth strategy, and brand communication ready to lead regulated organisations through ambitious change.

Michael Kuti-George
CEO/Managing Director

Michael Kuti-George

MBAFCIIFABESIRMCMgr MCMI

Rev. Michael Winston Kuti-George is an insurance and reinsurance specialist with more than twenty-one years of leadership experience spanning West Africa and the United Kingdom. As Founder and Chief Executive Officer of C-WAD Consultancy, he combines deep technical expertise in reinsurance underwriting, claims management, policy development, and risk strategy with senior executive experience gained across broking, underwriting, and technical management roles. His blend of market knowledge, regulatory discipline, and strategic leadership positions C-WAD to deliver world-class insurance and business advisory solutions across the region.

Insurance Risk ManagementStrategic Business ConsultingRegulatory Compliance
Bintou Jobe Sanyang
Risk Management Consultant

Bintou Jobe Sanyang

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.

Risk ManagementHealth & SafetyWorkplace EvaluationPolicy Development
Esther Herman-Smith
Underwriter

Esther Herman-Smith

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.

UnderwritingRisk AssessmentPolicy Design
Rosetta Esther Hazeley
HR Manager (Consultant)

Rosetta Esther Hazeley

Operations

MBABSc Business Administration

Rosetta Esther Hazeley is an HR and operations consultant with more than fourteen years of experience across UN agencies, international NGOs, and programme delivery environments. She brings practical strength in human resource coordination, budgeting, monitoring and evaluation, stakeholder engagement, and operational execution, helping organisations build disciplined teams and dependable delivery systems.

HR CoordinationProgramme ManagementMonitoring & EvaluationOperations Support
Sanna Sanneh
Digital Marketing Strategist

Sanna Sanneh

Marketing

Google Analytics CertifiedGoogle Ads Certified

Sanna Sanneh is a digital marketing strategist and web designer focused on turning brand visibility into measurable growth. With more than six years of experience across startups, non-profits, e-commerce, and technology-led teams, he brings strength in SEO, social media strategy, funnel design, conversion optimisation, and marketing automation to help clients build stronger demand engines.

Digital StrategySEOWeb DesignConversion Optimisation

How we partner

A concise three-step rhythm keeps leadership aligned while subject-matter specialists deliver the detail.

1

Discovery Sprint

Rapid workshops uncover regulatory constraints, growth goals, and current risk posture.

2

Embedded Specialists

Lead consultant coordinates domain experts across insurance, consulting, and communications.

3

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.com
Contact

Let’s map the next move together

Share a little context and our lead consultant will respond within one business day. Prefer a direct line? We’re ready there too.

Email

wmkgeorge@cwad-consultancy.com

Global Offices

Sierra Leone

97D Fadika Lane, Banana Water, Congo Cross, Freetown

Mobile

+232 78 801 975

The Gambia

Bakoteh Layout, Banjul

Mobile

+220 325 1984

United Kingdom

Barking, Jhumat House, 160 London Road, IG11 8BB

Mobile

+44 785 906 5342

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