Clarity Concepts™


Meet Our Founder


Enterprise Risk Management Consulting

Risk Management is the systematic Identification Measurement and Analysis of Risk and Crisis issues facing a firm.  Once identified, each risk is assessed and managed in a variety of ways from transfer through insurance or contract, internal control processes or a decision to avoid particular risk issues.  Clarity Concepts™ has extensive expertise in corporate risk management and related insurance strategies.

Clarity Concepts™ provides a variety of risk consulting services to large organizations.  Jane Marie Downey, President of Clarity Concepts™, attained her bachelor’s degree in Risk Management and Insurance with a double major in Accounting from Temple University.  Her work experience includes positions in Risk Management with PaineWebber and West Pharmaceutical Services as well as insurance brokerage experience at Hobbs Group Jane has taught Risk Management in Temple’s Fox School of Business and Crisis Management at Penn State’s Great Valley Graduate Program.

Jane brings a unique blend of her work in leadership consulting with her risk expertise.  Projects that combine this knowledge of group process include:

Workers Compensation and Safety Team enhancement and claims reduction

Executive Strategy Sessions and Corporate Governance

Corporate Risk Assessment

Crisis Management and Disaster Recovery Planning

Insurance Broker Assessment and Selection

Clients for this work have included Main Line Health Systems (now Jefferson), Genencor International, Schott Corporation, Carl Zeiss Meditec, Riscorp, Integra Life Sciences, Tredegar and HMA.


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Clarity Concepts


Jane Downey

ARM, M. Ed 


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About Jane


Jane Downey is an internationally known Risk Management consultant and Insurance industry expert. Jane founded Clarity Concepts™ 26 years ago and has provided a variety of diverse, multinational organizations, with her independent Insurance and Risk Management expertise.  Jane has a background in both Insurance brokerage and Risk Management. Her specialty industries include manufacturing, financial institutions, and technology risks.  She has made many Risk Management reports to the C-Suite.  Her work is also focused on claims management and reducing Workers Compensation claims.

Clarity Concepts™, also maintains a significant practice in enterprise risk consulting and expert witness engagements.  Her expert witness work focuses on broker liability, claims management, risk management and risk control standards, and insurance coverage disputes.

Risk Management Educator and Academic Experience

Jane has served as adjunct faculty at Temple University in Risk Management and Leadership and at Penn State University in Crisis Management.  She currently teaches the CE classes: Advanced CGL, Preventing Broker E&O claims, E&S Market and Intro to Casualty and Intro to Property Insurance for ISEP


Jane is a Summa Cum Laude B.A. graduate of Temple University’s Fox School of Business with a dual degree in Risk Management and Accounting. She ranked first in her graduating Risk Management class and was one of 12 graduating seniors chosen nationally for the National RIMS conference scholarship. Jane also obtained her master’s in education with Honors from Temple in the Psychology of Groups.

Insurance Arbitration Certification  

Jane recently certified with ARIAS as an arbitrator and will soon pursue certification as a mediator. Her specialtord include retrospective premium disputes and primary layer coverage issues.


Jane holds the Property and Casualty Insurance Brokerage licenses in the States of PA, NJ, and Fl. She also holds the Life and Health Insurance Brokerage licenses in PA and NJ.

  • National Association of Women Business Owners-Programming committee and Mentor
  • Forum of Executive Women-Former Board Chair, Mentoring
  • Temple University, Fox school of Business, Mentor Risk Management
  • Gulph Mills Civic Association


View Jane's CV

"The best decision-makers are those who are willing to suffer the most over their decisions but still retain their ability to be decisive.” --  “Until you value yourself, you won't value your time. Until you value your time, you will not do anything with it."

- M. Scott Peck, The Road Less Traveled



Delivering Results

We are a team of results-oriented consultants who train organizations to think and act swiftly and creatively--to capture market opportunity and cost savings, and optimize human capital.

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Outsourced Risk Management

Jane has worked as both a broker and internal/external Risk Manager. Jane is an expert in risk control and Workers Compensation claims reduction. She has saved her employers and clients annual savings in the millions.  Jane has conducted many insurance brokerage Requests for Proposals (RFP) and can help your organization find the right match for brokerage service. Every policy of insurance includes service and claims support, and Jane can help you confirm you are getting the right value for your premium. . Jane has served as outsourced Risk Manager for many years for Tredegar Corporation, the Carl Zeiss US companies and SCHOTT corporation, a client of 26 years. Jane has a degree in leadership and can guide your C-Suite on Enterprise Risk Assessment and Management.


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'To change ourselves effectively, we first had to change our perceptions.'

- Stephen R. Covey, The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change

Our Vision

Clarity Concepts™ goal is to provide consulting and training services that empower you—as an individual and as a team—to develop your business into a high-functioning organization through specially designed consulting and training programs that suit both individual and corporate needs. By working with you to develop effective leaders and enhance business creativity (innovation), you enjoy the following benefits.

Our Consulting focuses on

Scenario planning, corporate vision and strategy, risk management and more.



Feature: 2021 AICPA & CIMA CFO Conference

'A High-Level Look at Insurance and Risk Management: The Changing Landscape of Risk' with Jane Downey


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A High-Level Look at Insurance and Risk Management: The Changing Landscape of Risk

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We believe in building ongoing consulting partnerships that continually add value to our client organizations. With this, we develop longstanding relationships that help our clients grow over time.