Who we can help
A closer look at your exposure.
Businesses with unusual operations, new products, mixed activities, challenging loss histories or complex insurance requirements.
An unfamiliar business model is easier to assess when its activities, controls and contracts are clearly explained. The objective is to give suitable insurance markets a complete, accurate picture.
What to discuss with your broker
Complex operations
Identify the different activities, locations and responsibilities that need to be addressed.
Hard-to-place property
Review construction, protection, occupancy, values and practical risk improvements.
Specialist liability
Discuss emerging products, unusual services, professional exposures and contractual requirements.
Program structure
Consider how specialist policies, limits, deductibles and exclusions fit together.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- A plain-language description of all operations
- Why the current placement is difficult or no longer suitable
- Values, revenues, contracts and operating territories
- Loss details, remedial work and current insurance terms
A question worth asking
Can CIBI help if an insurer has declined the risk?
We can review the circumstances and available routes. Share the reason for the decline and any changes made since. Availability and terms depend on underwriting; a placement cannot be guaranteed.