Risk
If we want to talk about the biggest risk facing insurers through the eyes of the brokerage we will not first talk about buying insurances without any quality and without any guarantee and support.
The biggest problem here is not considering the so much high sensitivity of consultation and designing the proper insurance policy at the time it is needed.
Importance of consultation
Have you ever seen that a person for constructing a building will first go to material sellers and asks about the quality of brick, sand and beams? Or probably, asks about the different quality of beams manufactured by different factories?!!
No, not definitely .
Certainly, wise people for constructing a building first find an architect or structure engineer for designing the building which they intend to construct. A trustworthy person who they believe can provide them with what they need for building the construction they want.
A person who knows the following about this building…
In what ground?
For what purpose?
How much strong?
With how much life duration?
With how much price?
Should be constructed.
The strange thing is that such an obvious thing will less is considered in matters related to insurance, although in some things to some extent consultation is being considered but in most of the times in preserving the human and financial resources of the organization through required insurance policies which is having a higher importance compared to other things in the organization, little consideration is given to so many issues such as following.
- Study and analysis of current status and the results of what have been done so far.
- Risk management and identification of needs
- Determining and designing the required insurance policies
- Comprehensive study of the proper insurance policy with threatening risks
- Design and establishment of tender documents or inquires
- Supervising the implementation of tender or inquiries and reviewing the documents through an expert perspective
- Supervising the issuance of the insurance policy
- Supervising and following the executive affairs during the insurance policy coverage professionally
- Professional supervising and following for the purpose of maximized efficiency
The least that the organizations bear due to lack of attention and consideration of consultation is wastage of financial resources. Without saying it is obvious that regarding the insurance, the cost is at second place. On the other hand, specialists and experienced people are aware that not having insurance is better than having one without quality. Until the company doesn’t have any insurance policy, it acts based on its experience in such a way to avoid risk as much as possible. But when the manager with spending money, obtains an insurance policy, as long as he doesn’t have any consultant practically cannot know that the obtained insurance policy or policies are to what extent able to respond to his need. Hence, with imagining the full efficiency of the existing insurance policy starts to do activity in the relevant field. Unfortunately, numerously it is been seen that due to incompleteness of the insurance policies on one hand and inconsistency between needs and risks with the issued insurances instead of observing an increase in the safety factor of the company, with lack of coverage of the issues faced by the company the result is spending heavy cost for the damages and premium of the issued policies.
Preserving organizational capitals, with using experienced and trusted consultants
Necessity of consultation and implementation
In all the insurance fields, providing consultation far away from the executive place of the insurance policies is not efficient, and in fact we can say that performing the executive affairs of the insurance policies, creates different and various issues for the executives and practically in this field new knowledge is obtained which is baed on experiences.
Therefore; possibility of providing consultation without awareness of the executive systems, methods and approaches of insurance policies from the time of issue to the time of probable damage and follow up during the period of the coverage which is only obtained at the time of execution is not practically possible and this is the distinguishing chapter of insurance from other matters in organizations.
For example in civil engineering field this assumption exists that experts without getting involved in the execution space will only get involved in designing, engineering and execution, while such an assumption doesn’t exist in network engineering and due to this reason consultation and execution in this field are associated.
Only those companies can perform the grand duty of consultation and designing the required insurance policies that have the sufficient capability and experience in execution field.
Consultation, designing and execution services of insurance brokerage company
Official insurance brokerage company with looking at an optimized solution and without any prejudice in suing the services of a specific insurance company, provides its experience in successful execution of different insurance projects, in terms of consultation, designing and execution services to their customers.
Responsibility range of Hampad insurance brokerage
Study and analysis of current status and the results of what have been done so far.
- Risk management and recognition of needs
-Determining and designing the required insurance policies
-Comprehensive study of the proper insurance policy with threatening risks
-Design and establishment of tender documents or inquires
-Supervising the implementation of tender or inquiries and reviewing the documents through an expert perspective
-Supervising the issuance of the insurance policy
-Supervising and following the executive affairs during the insurance policy coverage professionally
-Professional supervising and following for the purpose of maximized efficiency
-And also other matters related to insurance in organization
In this way the company from the birth of an insurance project until its maturity, shoulder to shoulder of the insurer gives this confidence to the insurer and insured that an optimized solution will be designed and executed and eventually will be operationalized. This will be done with special emphasis on the following.
-Maximum quality of insurances in terms of required policies
-Minimum possible premium based on insurance rules and principals
-Proper efficiency of the insurance at the time of facing damage
- Using proper insurance with insurer investment
The guarantee of the realization of this is the knowledge and experience in the field of insurance and also a comprehensive look together with consideration of real and actual needs of the customer organization. In this way and with avoiding from one dimensional look to the existing issue the official brokerage insurance company are seeking to create an intelligent solution for solving the problems with the best and the most proper method and remember that the best solution is not necessarily the first comes to our mind.
Agenda of consultation, designing and implementation services of Hampad insurance brokerage company
-Designing and implementing integrated manamgnet of insurance in organization
- Studying the current status and situation
- Risk management and identification of needs
-Providing proposed model of improved status
- Determination and designing of proper insurance policy
-Design and preparation of procedures of insurance in organization
- Preparation of tender documents and inquires
-Holding tenders and inquires
- Insurance policies issuance
- Performing specialized executive affairs related to insurances during the coverage of them
- Training and improving the cultural insurance level in organizations