Our Approach to Risk
Insurance is the last step, not the first. The work that decides whether a claim gets paid happens before the policy is issued.
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Identify the exposure
What you own, what you move, what you owe, who depends on you, and which contracts oblige you to hold cover. For a business this includes premises, plant, stock, receivables, data, key people and third party obligations.
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Quantify the loss
Not the asset value - the cost of the event. A fire is the building plus the months of lost trading. A breach is the response cost plus downtime plus the claims that follow.
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Decide what to keep and what to transfer
Deductibles you can absorb, risks worth retaining, and the layer where insurance is genuinely better value than self-funding.
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Design the programme
Limits, extensions, and the order in which policies respond, so a loss cannot fall in the gap between two of them.
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Negotiate the market
Multiple insurers, compared on wording and claims record as well as premium. The cheapest quotation is not always the one we recommend, and we say why.
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Service the account
Additions and deletions, endorsements, e-cards, documentation, and reminders at 90, 60, 30 and 15 days before expiry.
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Handle the claim
We collect the documents, submit to the insurer, respond to queries and follow it through to settlement - then review whether the cover behaved as designed.
What we ask you for
Good advice needs real inputs. For a corporate review we usually ask for:
- Current policy schedules and the last renewal invitation
- Claims history for the last three years
- Asset schedule: buildings, plant, stock values
- Turnover, and the contribution you would lose during a shutdown
- Headcount, salary bands and dependent policy for employee benefits
- Any contractual insurance obligations from clients or lenders
Everything you share is used to prepare your programme and nothing more. See our privacy policy.
Start with a review
Send what you hold today and we will tell you where the gaps are - before anyone quotes anything.