Valuable assets must be protected. We deliver professional insurance programs to families and net-worth individuals. There are two things that cause a business to suffer in loss which are paying high premium for assets or an asset being under insured. Clients have different asset requirements and different insurance policy wording.
We undertake valuation on the basis of Indemnity Value or Reinstatement Value. Indemnity Value is the cost required to replace, rebuild or repair the property insured to a condition actually similar but not better or more extensive than its condition at the time that damage occurred, and taking into account remaining useful life, age and condition. Reinstatement value is the cost required to replace, rebuild or repair the property insured to a condition actually similar but not better or more extensive than the state when it is new.
It does not matter what the distance is between your client manager and you (our client), we will meet you at a location which is suited for you and at your time, to ensure any situation is dealt with efficiently. Personal insurance programs need to be checked personally by our professional team, so we do not overlook important things.
That is why we perform a thorough needs analysis when we have an appointment and continue to inform you when (new) products are available or when risks are looming. We give advice around gap analysis, provide guidance on transfer, risk absorption and mitigation.
We also work closely with our clients to provide the best approach to suit your unique risk requirements and lifestyle. Personal assets require tailored, specific protection which sometimes includes individual valuations insurance products, and providers may not provide the necessary protection this is why specialized asset cover is bargained for:
Superior policy wordings and covers tailored to your unique requirements are bargained which are:
We assure you a very fast settlement in your best interest. One of our other goals is to have insurers settle your claim to the fullest extent and as quickly as possible with the original option of cash settlement.