Corporate Insurances
Corporate Insurances
A Coverage Architecture, Not a Stack of Policies
In a corporate company, insurance is often the sum of policies purchased from different sources, accumulated over the years. As the stack grows, both duplicate collateral and gaps that no one notices occur.
It collects all your policies in one table; We compare coverage, limits, exemptions and renewal dates. As a result, you are not left with a stack of policies, but a single coverage architecture that fits the company's risk map.
- All policies in one table, in one coverage architecture
- We have the renewal calendar and price update.
Not being able to pay for the same risk from two policies is also a structural problem.
Scope
Program Scope
Fire and natural disaster
Fire, earthquake, flood and storm coverage for buildings, machinery, fixtures and commodities.
Loss of profit (business interruption)
Gross profit and fixed expense loss of a discontinued operation after a covered damage.
Machinery breakage and electronic device
Sudden and unexpected damage to production machines, automation panels and computing equipment.
Employer and third party liability
Legal liability and defense costs for damages caused to employees and third parties.
Commodity transportation and storage
Annual subscription or trip-based guarantee for domestic and international shipments.
Group health and personal accident
Group coverage that complements employee benefits by insurance.
Key Risks
What We Watch in This Area
Missing Insurance
If the insurance amount remains below the actual value, the compensation decreases at the same rate.
Messy Renovation
Policies ending on different dates weaken both bargaining power and follow-up.
Collateral Gap
Risks between two policies often become visible only at the time of damage.
How is it determined?
Data Shaping the Corporate Program
- Field of activity and technical structure of the production/service process
- Current determination of building, machinery, stock and fixture costs
- Turnover, gross profit and fixed expenses — hence the profit loss period
- Responsibilities assumed by contracts and employer obligations
- Damage files and recurring items for the past five years
- Facility location, earthquake zone and accumulation of environmental risks
How We Work
Corporate Program in Four Steps
Inventory
We collect your policies, assets and contractual obligations in one table.
Analysis
Compares coverage, limits and exemptions; We report gaps and duplication.
Placement
We come to market with a single technical specification and negotiate the terms on your behalf.
Follow-up
We manage the renewal calendar, charge updates and claim process.
FAQ
Frequently Asked Questions
Not necessarily; However, collecting renewals on a single date increases your bargaining power and reduces the risk of a coverage gap. The transition is usually completed within a year with short-term addendums.
As a rule, no. Brokerage service is covered by the commission received from the insurance company on the policy premium; In exceptional consultancy work, pricing is shared in writing from the beginning.
Both a single-site manufacturer and a multi-location group company are handled with the same approach. What is decisive is not the size of the turnover, but whether the risks are interconnected; Every company with more than one policy benefits from this structure.
We take inventory on these three axes: operational risks arising from machinery and processes, financial risks arising from receivables and liabilities, and sectoral risks specific to the line of business. The program is set up to make all three visible in one table.
Do You Have a Need in This Area?
Let's assess your risk together and build the coverage structure around your needs.