Our services are rendered at no cost to the insured. Though we are the agent of the insured, we are remunerated by the insurer.
Employment of the broker does not increase cost (premium). Same premium would be charged whether or not a broker is appointed.
Our services revolve round the need to provide adequate cover at low cost to the insured.
PLACEMENT OF RISK
In general terms, we prefer placement of risks with leading underwriters or a consortium of underwriters where necessary.
We negotiate rates with insurers to ensure that the best market rates are obtained.
We review existing policies with a view to reducing rates or widening the scope of cover or both, where feasible.
SERVICING YOUR INSURANCE POLICIES
We simplify your insurance matters to reduce amount of man-hours spent on their administration.
We ensure common renewal dates for all policies except there is a special reason for keeping different renewal dates.
Ensure compliance with policy conditions to avoid repudiate of claims
CLAIMS HANDLING
Insured in many cases cannot process claims through due to lack of expertise.
We ensure timely notification of claims and under the right policies to comply with policy conditions.
Proper formulation of claims for maximum indemnity to the insured.
PERIODIC REVIEW OF INSURANCE PORTFOLIO
We carry out periodic and systematic review of client’s existing insurance policies to determine the adequacy of cover provided by such policies.
Where necessary, we re-negotiate scope of cover with underwriters where your existing cover is restrictive and ensure that you are not charged premium more than necessary.
FREE SERVICES
Traditionally, an insurance broker does not get paid by the client (insured) but from the underwriters with which the broker places the risk.
As professionals in insurance, we will use our expertise to ensure that you have widest cover available at lowest premium rate possible.
