Our Services
Our services will help you create an insurance solution that is designed for you and matches your personal risk profile and meets your financial needs.
Rather than focusing on products, we focus on outcomes.
Policy Structure Reviews - Risk & Excess Profiling - Claims Guidance - Personal & Commercial Insurance Advisory
Policy Structure Reviews
Insurance needs change over time - often without policies being adjusted.
We review existing cover to determine if:
- The level of protection is still appropriate
- Excess structures make financial sense
- Unnecessary benefits are inflating premiums
- The overall structure aligns with the client's risk profile
This is often where meaningful improvements are found
Risk and Excess Profiling
An excess is not a penalty - it is a financial decision
We help clients decide:
Which losses they are comfortable funding themselves
Which risks should be transferred to an insurer
How excess levels affect premiums, claims behavior and long-term costs
Used correctly, excess structures can materially improve insurance outcomes.
Claims Guidance and Support
Claims are where insurance either proves it's value or exposes it's weaknesses.
We support clients by:
- Assisting with claims submissions
- Helping clients understand outcomes
- Advising on claims strategy and future implications
Personal & Commercial Insurance Advisory
Advice and placement of personal insurance, including:
- Home (buildings) and household contents
- Motor vehicles
- General and specified All Risks
- Personal Liability
Always structured around the client's financial position - not the default settings.
Independent advice for small businesses, including:
- Business assets and business interruption
- Liability risks
- Fleet and commercial vehicles
- Buildings
- Contractors All Risks
With a strong focus on sustainability, claims behaviour and long-term insurer relationships.
If you would like a second opinion on whether your insurance structure still makes sense, we'd be happy to assist
Our Personal & Commercial Insurance Partners
