Our Service Statement

We are committed to providing you with comprehensive insurance services to ensure your needs are fully met. Here’s what we can do for you:

• Risk Assessment and Proposal Development: We help you identify and assess your risks, developing a tailored proposal to submit to potential insurers.

• Personalized Advice and Recommendations: Based on your unique needs, we provide expert advice and make recommendations regarding your insurance requirements.

• Communication and Recommendations: We will contact you with our professional recommendations, ensuring you are well-informed.

• Underwriting Submissions: We prepare detailed underwriting submissions to present to insurers.

• Needs Assessment: Utilizing our industry knowledge, we conduct thorough needs assessments and provide you with comprehensive details to make informed decisions.

• Negotiation: We negotiate terms with both existing and alternative insurers to secure the best coverage for you.

• Insurance Placement: We handle the placement of agreed-upon insurances, ensuring seamless coverage.

• Policy Review: We review policy wordings and obtain signed policies from insurers for your records.

• Confirmation of Coverage: We confirm the placement and renewal of your insurances, keeping you updated on your coverage status.

• Premium Calculation and Collection: We calculate, invoice, and collect premiums, managing your payments efficiently.

• Policy Adjustments: We adjust premiums on prior year policies as necessary.

• Ongoing Insurance Reviews: We review your insurance arrangements when you inform us of material changes, during scheduled Status Reviews, and upon renewal.

• Policy Changes and Cancellations: We facilitate policy changes and/or cancellations based on your instructions.

• Insurance Premium Funding: If needed, we assist you with any Insurance Premium Funding requirements.

• Claims Management: We support you through the claims process, ensuring timely communication and resolution:

  • Notify your insurer of the claim.

  • Guide you through the next steps for recovery and policy coverage.

  • Act as your claims advocate if a claim is unreasonably denied or reduced.

  • Advise you on settlement negotiations and seek your instructions before agreeing to any settlement.

  • Explain reasons if a claim is declined and outline further steps, including how to make a complaint.

  • Provide claim details to your new insurance broker if our appointment is terminated.

• Renewal Process: We will take reasonable steps to contact you at least fourteen (14) days prior to your insurance cover expiry date. We will engage with you on the next steps before the policy expires and seek insurance cover terms and conditions. We will advise you of available options for your consideration. At renewal, we may not seek alternative quotes based on our assessment of your current program and market knowledge.

For more detailed information and to discuss your specific needs, please feel free to contact us.