When the risk is unusual, the insurance approach needs to be considered carefully.
Some commercial risks do not fit neatly into a standard insurance placement. Acrusure can assist with understanding complex or unusual exposures and approaching suitable specialist underwriting markets where appropriate.
Complex commercial risk starts with the facts: the activities, assets, values, liabilities, existing cover and circumstances around the exposure.
Complex risks need more than a standard template
Acrusure’s specialist approach is built around understanding the risk first, then reviewing existing arrangements and considering suitable markets and underwriting solutions.
Understanding complex operations
The activities, locations, equipment and circumstances around a commercial risk all form part of the review.
Considering the details
Complex placements may require detailed information, supporting documentation and engagement with specialist underwriting representatives.
What we help you review
Risk assessment
Understand the client, assets, activities and areas of risk before considering placement.
Existing arrangements
Review current insurance for gaps, duplication, inappropriate structures and areas needing investigation.
Unusual exposures
Consider risks that may not fit straightforward commercial insurance arrangements.
Underwriting requirements
Complex placements may require detailed information and supporting documentation.
Specialist market access
Where appropriate, suitable insurers and specialist underwriting markets can be approached.
Complex claims support
Where a claim or policy interpretation becomes complicated, Acrusure can assist with review, communication and escalation.
Our approach to complex commercial risks
Acrusure follows a structured insurance journey, with the particular risk, underwriting requirements and client circumstances considered throughout.
Understand
We begin by understanding the client, their assets, activities and areas of risk.
Review
Existing insurance arrangements are reviewed to identify gaps, duplication, inappropriate structures or areas requiring further investigation.
Source
Where appropriate, suitable insurers and specialist underwriting markets are approached.
Compare & advise
Available options are considered in relation to cover, price, excesses, limitations, exclusions and the client’s requirements.
Implement
Once the client has made an informed decision, we assist with implementation and policy administration.
Maintain
We assist with amendments, policy administration, renewals and changes in circumstances.
Claims assistance
When a loss occurs, we assist the client in navigating the claims process and engaging with the insurer where necessary.
Complex commercial risks FAQs
What is a complex commercial risk?
Acrusure uses this category for complex or unusual commercial risks where a straightforward placement may not be appropriate or sufficient.
Can Acrusure help if a risk is difficult to place?
Where appropriate, Acrusure can approach different insurance and specialist underwriting markets, subject to current insurer appetite and underwriting requirements.
What information may be needed?
The review may involve existing policy schedules and wording, assets and values, business activities, liabilities, changes in circumstances, claims information and other supporting details relevant to the risk.
Can complex claims receive additional support?
Yes. Acrusure can examine complicated claims, policy interpretations or underwriting matters in greater detail and engage with insurers or underwriting representatives where appropriate.
Have a commercial risk that does not fit the standard approach?
Speak to Acrusure about your existing arrangements or a new requirement. We can assess the risk and consider appropriate markets where available.
Speak to Acrusure