Risk Advisory Hub
Manage the risk before you insure it.
Every other broker opens with “Get a Quote”. We think that is backwards. Insurance is the last line of defence — useful precisely because the earlier lines were considered first.
How risk is actually managed
Four steps, and insurance is the fourth.
A broker who starts at step four is selling. Working through all four usually produces better protection at a lower total cost — including a lower premium.
- 01
Identify
Name the exposures honestly, including the ones with no policy attached. Most organisations can list their assets and almost none can list what would stop them trading.
- 02
Reduce
Change what can be changed. Fire separation, maintenance schedules, driver standards, access control. This is cheaper than insurance and reduces its cost.
- 03
Retain
Decide deliberately what you will carry yourself. An excess you chose is very different from an excess you discovered.
- 04
Transfer
Insure what remains — the losses too large to absorb. This is the last step, not the first, and it works best when the three before it have been done.
Advisory services
What we do before a policy is discussed.
Risk registers and exposure mapping
A structured list of what could go wrong, how likely it is, and what it would cost. The document most businesses discover they needed only after a loss.
Sum insured and valuation review
Checking that the numbers in your policies still relate to reality. This is where we find the most money, and it costs nothing to look.
Loss-prevention guidance
Practical, sector-specific measures that reduce both the chance of a loss and the premium you are charged for it.
Contract and obligation review
Reading your customer and lender contracts against your policies, so an insurance requirement you signed up to is one you actually meet.
Programme design
For larger organisations, structuring cover as one coherent programme rather than policies accumulated department by department.
Business continuity review
Working out how long recovery would genuinely take — the number that decides whether your indemnity period is adequate or decorative.
Start with step one.
The two-minute risk check is a short version of the identify step — free, no jargon, and it ends with the areas that may need your attention rather than a quote.