Specialty solutions

Alternative Risk Transfer (ART)

Sometimes a traditional insurance program isn’t the best solution. So if you find some products not delivering a sustainable option, ART might be for you.

Specific to your business, an ART review will often use innovative risk financial solutions including:

• Captive reviews and feasibility studies.
• Actuarial loss modelling.
• Captive domicile section.
• Captive formation and management.
• Rent-a-captive/cell structures.
• Reinsurance solutions.
• Parametrics.

Private insurance products

We design innovative private insurance solutions for high-net-worth individuals and families.

From assessing your requirements to managing claims, our service is seamless and holistic. You will also have a single point of contact and utmost respect for your confidentiality.

Our specialty areas include:

• Home and contents (also for investment properties, holiday homes and farms).
• Valuables, antiques and art collections.
• Personal businesses.
• Motor vehicles, caravans and motorcycles.
• Marine (including yachts, motorboats and other pleasure craft).

Property underwriting reports & surveys

To get the most favourable terms for your cover, we provide insurers with superior risk information about your insured locations.

We achieve this by creating a property underwriting report that delivers benefits such as:

• Cost and time efficiencies.
• Tailored solutions.
• Independent reports – owned by you.
• Alternative insurance market options.

OH&S & workplace strategies

We deliver a range of risk advisory and product solutions to employers. With our support, you can:

• Improve Workers’ Compensation performance.
• Reduce your premiums.
• Create process and management efficiencies.

We can help you across:

• Workplace diagnostics.
• Insurer management.
• Policy and premium analysis.
• Claims and injury management.
• Audit and training.
• Program-wide health checks.

Self-insurance program (Workers’ Compensation)

As part of our workplace solutions, we support employers that self-insure their Workers’ Compensation liabilities.

Our expertise and services span:

• Workers’ Compensation due diligence.
• Claims audit and analysis.
• Insurance management (excess of loss).
• Financial feasibility studies.
• Strategic claims advice and support.
• Client advocacy with regulators.

Claims preparation & administration

We can promptly manage your claims and obtain the best possible results for you.

Our claims services include:

• Preparation and lodgment of claims for material damage and business interruption.
• Analysis of claims impact on your business.
• Liaison with clients and insurer-appointed loss adjusters.
• Strategies to ensure optimal claims settlement.
• Preparation of claims submissions and progress payment requests to insurers.
• Engagement of third-party administrators for ‘frequency’ claims management.

White label staff consumer programs

If you’re an employer, we can design a white label consumer insurance program for your staff.

Depending on the scale, your consumer insurance program can be financially advantageous to you – and may result in additional revenue.

A low-touch electronic solution, these insurance programs are ‘hosted’ by your intranet, meaning no additional work for you.

Our product offerings include:

• Home and contents.
• Valuable items.
• Car, caravan, motorcycle.
• Personal travel.

Valuation & asset management services

Most property policies contain clauses that may penalise you if the value of an asset doesn’t accurately represent its reinstatement or replacement cost.

That’s why we offer the following valuation services:

• Reinstatement and replacement cost assessments for buildings, plant and equipment.
• Appraisals and valuations for fine art, antiques and collectibles.
• Development of asset registers and depreciation schedules.
• Sinking funds for owners’ corporations/strata managers.

Risk consulting & resilience

When it comes to managing and transferring risk, insurance is just one solution. Some risks are too costly to insure or simply uninsurable.

We can review your organisation’s risks and provide an appropriate risk and insurance framework.

Our services include:

• Risk register workshops.
• Insurance program due diligence and gap analysis.
• Crisis management and business continuity plans.