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Practice · Sheet 03.4Services / Insurance & risk consulting

04Protect

Know your risks before you sign.

Independent advice on how to identify, reduce and transfer risk. We advise; cover is placed through licensed insurers and brokers.

Review your cover See how it runs
A worker in a hard hat and safety gear inspecting industrial machinery outdoors
A checklist being ticked off on a tablet with a stylus
Fig. 03.4.1 · Practice 04
Sheet 03.4.2 / OverviewThe problem we solve

The problem we solve

Too much cover is bought on one seller's pitch, and the gaps only show at claim time. We check the facts before you buy or renew.

Workers in safety helmets handling heavy chains in an industrial plant
Sheet 03.4.3 / How we helpTwo client groups

How we help

Independent advice for the businesses that buy cover, and for the insurers and investors behind it. Open a card for the detail.

AFor employers and organisations

BFor insurers, reinsurers and investors

Sheet 03.4.4 / Further servicesConstruction, industrial & corporate

Construction and corporate extensions

Further services we can add for construction, industrial and corporate clients, once our advisory partner confirms them.

Subject to partner confirmationProposed extensions · 01–08

  • 01

    Risk assessment

    A review of your operations, assets, contracts and exposures.

  • 02

    Insurance programme review

    Existing policies checked for gaps, overlaps, exclusions and over-payment.

  • 03

    Construction and project insurance

    Advice on contractors' all-risk, professional indemnity, public liability, plant and equipment, and workers' injury and compensation cover.

  • 04

    Contract and surety support

    Review of insurance and bonding clauses, and preparation for performance and advance-payment guarantees.

  • 05

    Corporate cover

    Advice on property, business interruption, medical and group life, motor fleet and trade credit cover.

  • 06

    Placement support

    Cover specifications and a like-for-like comparison across licensed insurers and brokers.

  • 07

    Claims support

    Documentation, follow-up and escalation of claims.

  • 08

    Risk culture

    Risk reviews linked to workplace safety training, so fewer incidents occur.

Sheet 03.4.5 / Risk mapAssembly drawing

Identify, assess, reduce, transfer

One risk register runs under every stage. Cover is placed by licensed insurers and brokers, outside our role.

Fig. 03.4.5 · Risk register and programme mapAxonometric · NTSPlan · NTS
Risk register and programme mapAxonometric drawing. Five modules sit in sequence on one base plate labelled Risk register: 1 Identify, operations, assets and contracts; 2 Assess, shown as a generic three by three grid of likelihood against impact, shading darker towards the high corner, with no figures; 3 Reduce, controls and training; 4 Transfer, joined by a dashed connector to a separate dashed module outside the register labelled Licensed insurers and brokers, who place the cover; and 5 Claims support, documents and follow-up.LIKELIHOOD01IMPACT030405123401 · IDENTIFYOperations, assets, contracts02 · ASSESSLikelihood × impact03 · REDUCEControls and training04 · TRANSFERVia licensed insurers05 · CLAIMS SUPPORTDocuments and follow-upLICENSED INSURERS& brokers place the coverBASE · RISK REGISTEROne register, kept currentRisk register and programme mapPlan drawing. A risk register runs beside five stages: 1 Identify, 2 Assess with a generic likelihood by impact grid, 3 Reduce, 4 Transfer, linked to licensed insurers and brokers outside the register, and 5 Claims support.RISK REGISTERLICENSEDINSURERS& BROKERS01IDENTIFYOperations, assets, contracts02ASSESSLikelihood× impact03REDUCEControls and training04TRANSFERVia licensed insurers05CLAIMS SUPPORTDocuments and follow-up1234
Legend
  • Stage 1–5
  • Likelihood × impact, no figures
  • Information flow
  • Licensed insurers & brokers
Sheet 03.4.6 / DeliverablesWhat you receive

What you receive

The risk review and programme map lead. Where a project needs them, the other practices add their own documents.

Sheet 03.4.7 / Who it's forClients

Who it's for

Also part ofProject readiness Market entry Growth readiness Import & trade readiness

Sheet 03.4.8 / How it runsFour steps

How it runs

  1. 01

    Review

    Assess your risks and check existing policies

  2. 02

    Advise

    Set out gaps, overlaps and the cover you need

  3. 03

    Introduce

    Introduce licensed insurers and brokers, who place the cover

  4. 04

    Advocate

    Represent your interests at renewal and beyond

Sheet 03.4.9 / QuestionsQuestions we help answer

Questions we help answer

“Are we paying for cover we don't need?”“What does this exclusion mean?”“Is our cover right for this contract?”“Who speaks for us with the insurer?”

Scope

We advise; we do not underwrite. Epiidosis Africa is not an insurer or insurance intermediary. Cover is placed through licensed insurers and brokers, and claims decisions rest with the insurer.

Sheet 03.4.10 / FAQsRisk practice

FAQs

Do you sell or place insurance?

No. We advise. Cover is placed through licensed insurers and brokers, who issue the policy.

Can you help with a claim?

We can represent your interests with insurers and brokers. Hands-on claims support for construction and corporate clients is subject to partner confirmation.

Do you work with insurers and investors?

Yes. We offer on-demand consulting to insurers and reinsurers, and insurance-sector support to private equity and other investors.

How are you paid?

Fees are agreed up front and set out in your engagement letter. We're not tied to any one insurer.

Sheet 03.4.11 / EnquiryTalk to this team

Talk to the risk team

Tell us what you insure today and what's changing.

Hands holding printed charts and graphs across a meeting table