How I Negotiated Zero Premium Increase for a Client with an Ageing Workforce
Last quarter, I sat across from an insurer who wanted to raise premiums by 8% for one of my corporate clients.The workforce was ageing. Claims history showed higher utilisation. Everything pointed to…
Avoiding the Problem of Group Insurance Gaps
I’ve watched HR teams discover their group insurance gaps in real time.An employee needs surgery. The claim gets rejected. Staff start asking questions. Suddenly, that competitive quote from the…
Why Drone Insurance Breaks Every Aviation Rule
Traditional aviation insurance makes one fundamental assumption: the pilot can see what they’re flying.Direct line of sight. Peripheral vision. Spatial awareness built from decades of manned…
Why Your Home Insurance Fails Your Valuables
I ask every client the same two questions when they mention home contents insurance.What’s the total value of your jewellery collection? And what are your most valuable individual pieces worth?The…
