We are a consulting company. Based on the discussions we have with the clients and the information they provide, we understand their activity and we design tailor-made insurance programs.
An insurance program consists of several insurance lines/types of policies or it may be a single policy which contains all insurance lines agreed with the client to provide the insurance protection desired or needed.
The advantages of an insurance program are:
- It has a single insurance period;
- It is negotiated globally with the insurers agreed by the client – the insurance lines that are damaging for the insurer may be compensated by the other components of the insurance program, resulting a lower claims ratio;
- It leads to obtaining the best offer – in most of the cases the negotiation takes place directly in the headquarters of the insurers;
- It allows a better planning of the payments of premiums;
- It allows obtaining better results during the renewal negotiations;
Our services can be classified into two categories:
I. General services
- Negotiation of insurance offers, presentation of a comparative analysis and optimal solutions recommendations;
- Management of the insurance program during the insurance period;
- Assistance and consultancy in case of damage;
- Analysis of the efficiency of the insurance program, preparation and proposal of renewal solutions before the policy expires;
Characteristics: you can benefit of these services based on the broker of record letter and they do not involve extra costs of insurance, commissions added to the premiums presented in the offers or other similar fees.
II. Additional services
- Insurance audit
- Analysis of activities, risk identification;
- Analysis of current insurance solutions and recommendations for improvement;
- Design of insurance programs according to the needs of every partner;
- Analysis of existing products on the market in the client’s area of interest and presenting them;
- Representation in case of damage
Effective representation in opening, tracking and liquidating the claim files at the insurance companies, by appointing a specialized person who, based on the mandate given by the client, will draw up the documents and will make arrangements to liquidate the damages.
Characteristics: you can benefit of these services based on the broker warrant and the service agreement, involving costs according to the contract.
The services we offer involve the following steps: