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A founder story, fifteen years in

Two old friends, one stubborn idea, and a fifteen year run at fixing event insurance for good.

Direct Event Insurance started in 2011 with a phone call between two friends who had known each other since grade school. It almost ended in 2016. It got rebuilt in 2026. This is how a small Texas brokerage became the operating system for event risk, and why a musician in Frisco still answers the phone himself.

David Carbrey, Bryan Warren, and Bryan's father Dean Warren in a field at sunset, Oklahoma, 2021
Left to right: David Carbrey, Bryan Warren, and Bryan's dad Dean Warren. Oklahoma, 2021

2011 / Frisco, Texas

The call that started it.

Bryan Warren and David Carbrey met in grade school in Oklahoma. Same hometown. Same fraternity at the University of Oklahoma. Sigma Chi. Four years sitting at the same table, and a friendship that never broke.

After college their paths split. Bryan became a CPA in 1995 and went into consulting at Ernst and Young. David went west to Los Angeles. He played in bands. He worked as a roadie. He lived inside the production world that most insurance brokers will never understand.

In 2011, Bryan was co-founding Helios Insurance Group with Luke Sweetser, and they needed someone to run a new product called Direct Event Insurance. The customers were festival promoters, wedding planners, fair boards, vendors at trade shows, the long tail of people who actually put on the gatherings that hold a community together.

Bryan picked up the phone and called his friend in Hollywood. He knew David would understand these people. He knew David would pick up at 11pm on a Friday when an organizer was in a panic. He knew David would say what he meant and mean what he said.

He was right. David moved to Frisco and built the book one handshake at a time.

2012 to 2016 / The hard years

Then the floor fell out.

By 2012, Bryan's role at Helios had run its course. He was bought out and went back into consulting. David stayed and kept building.

Then Helios collapsed. The parent company was gone. The infrastructure was gone. Most brokers would have walked away.

In 2016, David did the opposite. He took total ownership of Direct Event Insurance and kept the lights on by himself. For the next decade he ran the agency the only way he knew how. He answered the phone. He showed up. He kept his word. He served his customers one Friday night at a time.

It worked. The book grew. Customers stayed for ten years and brought their friends. But it never scaled past what one person could carry, and one person was carrying all of it.

David needed help. He just did not know what kind yet.

The problem we kept seeing

The Friday night that breaks every organizer.

It is 7pm on a Friday. The three day festival opens at 10am Saturday.

Eighty vendors are confirmed. Twenty three of them still have not sent in a Certificate of Insurance. The venue will not let any vendor on site without one.

The organizer starts calling. Voicemail. Voicemail. The COIs that do come in are wrong. Two list the venue under the wrong legal name. One has expired. One vendor texts back, casually, that they do not actually have insurance this year, and they want to know if that is okay.

The organizer is now their own broker. Their own paralegal. Their own risk manager. Their own crisis line. They will not eat dinner. They will not see their kids before bed. They will be on the phone until midnight, and tomorrow morning they will smile at the gate and pretend none of this happened.

David lived inside that night for ten years, on behalf of his customers. He knew it had to end. He just did not have the tools to end it. Not yet.

May 2026 / Two days that became the second act

Bryan came back.

Bryan had spent the fifteen years between in transformation work. Big Four. Financial services, manufacturing, professional services. Engagements across the Americas, with a long stretch out of Mexico. His last corporate seat was inside the Business Transformation Office at Link Consulting until that group was eliminated in early 2026.

In parallel, he had gone deep on the question of pairing humans with modern automation so that one person could do the work of a team. He built a framework for it. He founded a productivity consultancy around it. He could see, before most people, exactly what AI was about to do to the operating side of small business.

In May 2026, Bryan called David and asked if he could come look at the books for a couple of days. He came to Frisco. He looked at the books. He stayed on David's couch the next week and built the operating plan.

What he saw was simple. The work David had been doing by hand for years, the patient phone calls, the policy explanations, the COI chases, the late-night problem solving, was exactly the work that AI was finally ready to do at scale. The handshake could stay. The phone call could still happen. The Friday night could end. But the broken machinery underneath the agency could be rebuilt from scratch.

So we are rebuilding it. Right now. Today.

The model

What we built.

Direct Event Insurance is now a technology-enabled brokerage for event risk.

Every part of the agency that used to require an organizer to chase, remember, or beg is handled by modern tools that do not sleep. Vendor enrollment. Certificate of Insurance distribution. Renewal reminders. Risk flagging. Claim coordination. Certificate verification at the venue gate.

The organizer sends one link. The rest happens in the background.

When you call us, a real human picks up. That is David, or one of the people he trusts. The tools do the chasing. The people do the talking. The two layers work together as a single unit, and the customer feels both of them at the same time.

That is the model. That is how a small agency in Texas covers a national footprint without ever losing the handshake.

The product we are known for

The Vendor Liability Program.

The Vendor Liability Program is the product we are best known for. We built it for event organizers running trade shows, expos, conventions, bridal shows, and similar events with multiple low-risk booth vendors. One link, sent from the organizer to every vendor at the event, enrolls each vendor in their own general liability coverage. Coverage starts as low as around $100 per vendor, depending on the number of vendors participating, event location, event type, and underwriting details. Certificates route back to the organizer automatically with the venue pre-named as additional insured.

Standard limits are $1M per occurrence with a $2M shared group aggregate, and any need for additional group-wide capacity is reviewed during program setup.

The result for the organizer is the elimination of the certificate-chase workflow that used to eat hours every event. The result for the vendor is the cheapest path to A rated coverage they will find, with no application back-and-forth.

The program is designed for low-risk vendor categories. It is not for food vendors, beverage vendors, or any category with elevated exposure. Those vendors need a different product, which we also place.

Our beliefs

What we believe.

The insurance industry has spent forty years telling event organizers that complexity is a feature.

It is not. It is a tax on the people who actually do the hard work of bringing communities together. We are paying that tax back.

We believe an event organizer should be on the dance floor when their event opens, not on the phone with their broker.

We believe a vendor should be able to buy real protection in a few minutes, for less than the cost of a tank of gas, without filling out a forty page application that asks them about their liquor service hours of operation.

We believe an agency can be honest, fast, and human at the same time, and that the technology should serve the relationship, not replace it.

We believe the work of insuring an event matters, because the event matters, because the people who show up to it matter.

Who this is for

Who this is for.

If you are an event organizer who is tired of the Friday night, we should talk.

If you are a vendor who needs real coverage without the runaround, we should talk.

If you are a venue, a producer, a fair board, or an association looking for a broker who actually picks up the phone, we should talk.

We are easy to reach. We answer fast. We will not waste your time.

Work with a team that understands events.

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