From risk analysis to claims management: We take time for you.
We are not sellers of products or representatives of insurance companies and we do not offer anything off the peg. Everything is put together individually according to the wishes and needs of the customer. We buy insurance cover where there are optimum contractual conditions or design the insurance cover ourselves. In doing so, we naturally observe the so-called cardinal obligations stipulated by the legislator: "When acting as agents, insurance companies should always behave honestly, fairly and professionally towards the customer in his best interests.
The risk analysis
A detailed risk analysis is always the first step. Taking into account all fields of activity and the needs of the customer, it is examined in which risk areas provision is necessary. This also includes determining whether insurance is the appropriate form of cover at all or whether it makes sense to organise alternative risk transfer and whether existing contracts should be included. The aim of the analysis is to ensure that neither too much nor too little risk protection is purchased.
Drafting of contracts
We draft contracts on the basis of the risk situation determined together with our client and adjust the content of the contract accordingly. At the same time, we negotiate premiums that correspond to the agreed benefits and a market comparison of the providers in question. Only a balanced relationship between risk protection and cost expenditure meets the requirements of the "rule of best advice".
The current legal situation means that all insurance intermediaries are obliged to prepare comprehensive documentation of their advice in text form. For all those involved in the advisory process, it must be clearly and comprehensibly recorded what wishes and needs the customer has stated and in what form and with what justification advice was given. We have been prepared for this for some time. Even if this procedure means a sometimes considerable additional expenditure, it is important to us that our customer can always check all consulting contents.
Independence from providers
An essential feature of our activities is the independence and autonomy from individual providers and their incentive systems. This circumstance enables us to optimally place all risks of our client with different insurers if necessary. Insurers are selected on the basis of criteria:
- scope of insurance cover
- costs for all contractual benefits
- quality of claims settlement
- insolvency and security of the insurer
- business processes of the insurance company
selection restrictions Only those insurers that are supervised by the Federal Financial Supervisory Authority (BAFin) are taken into account.
Support and administration
After completion of the risk analysis and the conclusion of suitable contracts, we continuously review the customer's risk situation and the quality of the insurance cover with regard to changing risk and market conditions. The aim is to relieve the customer's administrative burden while at the same time providing advice on all issues relating to operational and private risks in line with the customer's needs.
In the event of a claim
, too, we act exclusively as representatives of the customer's interests in order to ensure the optimum handling of the claim, if necessary by calling in external experts. In doing so, the many years of extensive experience gained from a large number of settled claims is always an advantage for every customer.