Insurance Advice

• Commercial and insurance practice

The insurance market offers very many products and they differ more than the policy wordings might reveal. This is because each insurer has its own standards and service levels and these influence both cover and claims negotiations.

• What is Critical?

1. Security and the reputation of the insurer for claims payment.
2. Understanding the limitations of services standards, custom and practice.
3. Absence of  contractual ambiguity in policy wordings.

• New Risk!

Risk  changes all the time  but in the recession new risks are rampant because of the unintended consequences of enforced change to the business model. These include, currently:-

• Privacy law,
• Regulatory investigation,
• Intellectual property,
• Reputation risk,
• User abuse of transactional and interactive  web sites,
• Containment and protection of data; 
  

We offer preliminary counselling and advice without charge.