Intermediary services

• With access to all leading local as well as international insurers and reinsurers, we are able to offer our clients effective risk transfer solutions.
• We hold Lloyds coverholder status.
• We have extensive experience with cell captive structures as well as alternative risk transfer solutions.
• We have the expertise to manage complete insurance portfolios which include all classes of insurance covers.

(including financial lines)

• • Asset All Risk
    • Offers coverage and protection from all risks for your physical assets, such as property, plant and equipment (PPE.)
    • May include cover for Loss of Profit (LoP.)
  • Art and collectables
    • A specialist cover that offers coverage and protection for art collections and collectibles.
    • Expert evaluations can be arranged.

   

  • Commercial Crime
    • Offers coverage and protection for a business against direct financial losses that arise as a result of theft and fraud by employees.
  • Construction All Risk
    • Offers coverage and protection on an All Risks basis during a construction period.
  • Cyber Crime
    • Offers coverage and protection against direct losses and liability protection for any risks associated with your business’ use of data and technology.
  • D&O Liability
    • Offers coverage and protection of the personal assets of a company’s directors and officers. The cover also provides reimbursement to the company when indemnifying its directors and officers. It may include legal defence costs, settlements and awards when defending directors and officers from a valid claim.
  • Group Personal Accident
    • Offers coverage and protection to insured staff members who are injured in a covered accident.
  • Liability (General, products, employee)
    • Offers coverage and protection against damages that you are legally liable to pay for.
  • Marine
    • Specifically for Cargo, offers coverage and protection for your goods transported both domestically or internationally by any means.
    • May also be structured as Goods in Transit cover (GIT.)
  • Motor Fleet
    • Offers coverage and protection for passenger and commercial motor vehicles and fleets.
  • Sabotage and Terrorism
    • Typically functioning in conjunction with your assets policy, it offers coverage and protection against Riots, Strikes, Civil Commotion and Malicious Damage, Fire and Looting. Political Violence includes Insurrection, Rebellion, Revolution, Mutiny and Coup D’Etat.
  • Special Risks
    • Offers coverage and protection for special risks such as Kidnap and Ransom (K&R.) These policies typically cover the perils of kidnap, extortion, wrongful detention, and hijacking. They are indemnity policies as they reimburse a loss incurred by the insured under the policy.
  • Travel
    • Offers coverage and protection for cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance.

• Expert Risk Management and Consulting solutions which compliment your internal Risk Management structures.
• Complete risk portfolio assessments or specific project based solutions.

• Expertise and vast experience with cell captive structures, we can structure solutions that deliver on your objectives.
• Reinsurance and excess-of-loss layering as required, leveraging our access to international insurance markets, including the Lloyds market.

• We also offer premium financing solutions that can be structured to suit your specific budgetary or other requirements.
• We have existing relationships with leading finance houses.

• On request, we provide consulting services on complex and intricate claims across all cover types.

At this point our research team may sit down to brainstorm. The discussion will start with an understanding and itemization of the issues faced in their particular product industry and then narrowed down to important or core areas of opportunity or concern.

The initial pool of ideas is generally vast and may be generic. The team will then sift through these and locate ideas with potential or those that do not have insurmountable limitations. At this point the team may look into existing products and assess how original a new idea is and how well it can be developed.

Once an idea has been thoroughly researched, it may be combined with a focus group or market survey to assess market readiness. Ideas with true potential are once again narrowed down and the process of turning research into a marketable commodity begins.

The team then works closely with product developers to understand and agree on how an idea may be turned into a practical product. As the process iterates, the complexity may start to increase and issues such as volume and distribution may begin to enter the process.

As the product takes shape, the process that began with R&D divides into relevant areas necessary to bring the researched product to the market. Regulatory aspects are assessed and work begins to meet all the criteria for approvals and launch. The marketing function begins developing strategies and preparing their materials while sales, pricing and distribution are also planned for.

The product that started as a research question will now be ready for its introduction to the market. The evaluation of the product continues at this stage and beyond, eventually leading to possible re-designs if needed.

At any point in this process the idea may be abandoned. Its feasibility may be questioned or the research may not reveal what the business hoped for. It is therefore important to analyze each idea critically at every stage and not become emotionally invested in anything.

Basic Research

This research aims to understand a subject matter more completely and build on the body of knowledge relating to it. This research does not have much practical or commercial application.

Applied research has more specific and directed objectives. This type of research aims to determine methods to address a specific customer need or requirement. These investigations are all focused on specific commercial objectives regarding products or processes.

Retail Product design

ART involves risk-taking and the implementation of various funding structures other than traditional insurance.

Many benefits are achieved through various opportunities available in the existing finance, insurance, accounting, tax and legal worlds.

Common structures are Primary Cell/Contingency Policy and Cell Captive.

Develop a competitive edge by gaining insight directly from your customers.

Identify opportunities early-on and capitalize on them efficiently.

Anticipate change; quickly learn what your customers need.

Distinguish between short-lived fads and long-term trends.

Predict future problems and make adjustments to avoid them.

Policy Manuals and Legal Documents

• Direct Channel
• Customer facing portal
• APP sales module
• USSD sales module
• Incentive Management by Channel