Fractional Growth · Operations · Business Development

Growth operating systems for insurance and marketplace businesses.

Twenty years inside carriers, agencies, and marketplaces. We come in, find the constraint, build the operating rhythm, and stay long enough to see the number move. No decks about frameworks. Real work on real P&Ls.

20+
Years in insurance distribution & performance media
4
Companies founded
2
Agencies built and sold
$250K → $10M
Seed to revenue in 36 months
What We Do

Three things, done at the executive level.

Most fractional practices specialize in one lane. We run all three — simultaneously — inside companies doing tens of millions in revenue.

AI Transformation

Not strategy decks about AI. Actual implementation — agentic workflows, LLM integration, automation systems, and executive dashboards that change how teams operate.

Lead Gen & Marketplace

Built and scaled insurance marketplaces from zero. Directed performance media across affiliate, search, social, and call networks. Know the unit economics, carrier dynamics, and conversion levers from the inside.

Revenue Operations

P&L ownership, sales process, vendor accountability, org design, partnership strategy. The operational work that turns a growth plan into actual growth.

Industries: Auto Insurance · Homeowners · Medicare Advantage · Health · P&C · InsurTech · Lead Generation · Marketplace

The Fastest Way In

Start With Media & Partner Performance

Most carriers and agencies buying calls or leads don't have deep media-buying expertise in house — and it usually shows up as CAC creep, partner mix drift, or lead quality nobody can quite explain. This is narrower and faster to start than a full fractional engagement: partner scoring, pricing discipline, and reporting, built for marketplaces buying at scale. Many engagements start here and expand from there.

Explore Media & Partner Performance →

Where growth usually gets stuck.

Most insurance and marketplace companies do not have a vision problem. They have a system problem: unclear ownership, noisy data, partner friction, rising CAC, slow execution, or AI ambition without operating clarity.

Lead Quality Is Slipping

Volume looks fine. Bind rates, contact rates, and LTV tell a different story — and nobody owns the gap between marketing spend and carrier outcomes.

CAC Is Outrunning LTV

Channel mix, partner economics, and conversion are drifting in opposite directions. You need one connected P&L view, not four dashboards.

Carrier & Partner Mix Is Off

The wrong carriers are getting the best traffic. Partner tiering, payout structures, and routing logic need to be rebuilt against actual downstream performance.

Sales And Ops Aren't Aligned

Producers, marketing, product, compliance, and finance are working from different numbers. One operating truth fixes more than any new tool.

AI Is A Deck, Not A System

The pilots demo well and change nothing. The unlock is agentic workflows tied to real revenue tasks — quoting, routing, retention, reporting.

Execution Has Slowed Down

More meetings, fewer decisions. What's missing is a weekly cadence with clear owners, scorecards, and consequences.

Embedded in the work. On the number.

Fractional doesn't mean part-time advice. We sit inside your operating cadence — weekly pipeline, partner reviews, QBRs, board prep — and carry a revenue target while we're there. When we leave, the system runs without us.

Consultants deliver a deck. Operators deliver a result. Our scope is written as outcomes, our week is spent in your standups, and our success is measured by the same metrics your team is measured by.
Engagement Models

Senior growth leadership without the slow ramp.

Flexible models for companies that need clarity, execution, and a leader who can move between strategy and the operating details.

Not sure which of these fits? Take the 2-minute diagnostic

30-Day Assessment

Rapid diagnostic of revenue, operations, partner strategy, marketplace economics, and AI readiness.

90-Day Transformation

Embedded execution with your team to turn diagnosis into operating improvements and measurable traction.

Fractional Executive

Ongoing CRO or CGO function: part-time presence, senior leadership, full accountability.

Commercial OS Buildout

Scorecards, QBRs, partner tiering, executive dashboards, pipeline reviews, and team cadence.

AI Transformation

Practical AI strategy, agentic workflow design, automation, reporting systems, and adoption.

Board Advisory

Strategic counsel for boards and founders navigating insurance, marketplace, or AI decisions.

Frequently Asked

Practical answers before we talk.

The questions founders, boards, and operators ask most often before scoping an engagement.

What does a fractional CRO or CGO cost?

Engagements typically run $8,000–$22,000 per month depending on scope and time commitment, or $1,500–$4,000 per day for project-based work. Most companies start with a scoped assessment before moving to an ongoing retainer.

How is this different from hiring a consultant?

A consultant hands you a deck. We sit inside the business — board decks, investor calls, hiring, the hard conversations — and we're accountable for the outcome, not just the recommendation.

What size companies do you work with?

Companies of any size — from founder-led agencies and early-stage insurtechs to national carriers and enterprise marketplaces. What matters is the scope of the problem, not the size of the P&L: we've run growth, media, and operating systems at both ends of that range.

What industries do you focus on?

P&C insurance, Medicare Advantage and health, insurance marketplaces and lead generation, and insurtech platforms — anywhere carrier, agency, and marketplace economics intersect.

How long are engagements?

Most fractional engagements run 3–6 months minimum, with many extending to 12. Assessments are typically 2–4 weeks.

Do you offer anything narrower than a full fractional engagement?

Yes — Media & Partner Performance is a focused engagement for teams that buy calls or leads but don't have deep media-buying expertise in house. It's faster to start and narrower in scope than a Fractional Executive retainer, and often the first step before a broader engagement. See the full breakdown.

How is The Fractional Collective different from a fractional executive marketplace or staffing firm?

Marketplaces match you to a résumé and step away. We're a small group of operators who have actually run these P&Ls — we scope the problem, put the right operator in the seat, and stay accountable for the outcome. You're not buying access to a bench; you're buying senior execution.

Do you work remotely or on-site?

Primarily remote, with on-site time where it earns its keep — kickoff, board and QBR sessions, partner negotiations, and team offsites. Most operating cadence runs well remotely; the moments that need a room, we show up for.

What happens when the engagement ends?

You keep the system. Scorecards, cadence, partner tiering, reporting, and documented ownership stay with your team — that's the point. We typically taper rather than stop cold, and stay available for a light advisory cadence if it's useful.

How quickly can you start?

Usually within two weeks of a scoped agreement, sometimes faster for assessments. A first call is enough to know whether there's a fit; scoping typically takes another conversation or two.

Do you take equity, or only cash retainers?

Cash retainers are the default and keep incentives clean. We'll consider equity or performance-based components alongside a reduced retainer where the outcome is measurable and the timeline is realistic — but we won't take equity in place of a working relationship.

Useful when the stakes are practical.

Private Equity

Portfolio companies needing fractional CRO or growth leadership during a hold period or pre-exit acceleration.

Insurance Carriers

Mid-size carriers modernizing distribution, launching direct-to-consumer, or building AI capability.

Insurtech Platforms

Series A–C companies scaling marketplace economics or integrating AI into product and operations.

Insurance Agencies

Growth-stage agencies building performance marketing, lead operations, or multi-state distribution.

Marketplace Businesses

Lead generation and comparison platforms optimizing unit economics, carrier mix, and conversion rates.

Executive Teams

Leadership groups that need a clearer commercial rhythm and a sharper view of what to do next.

Let's Build What's Next

Start with a focused conversation.

If your business is navigating growth, transformation, or AI adoption in insurance or marketplace work, a 30-minute call is enough to know if there is a fit.

Book a working session