Insurance for commercial portfolios where the scale and complexity matter.
High-value commercial portfolios can involve substantial assets, multiple exposures and more complex insurance requirements. Acrusure can assist with reviewing the portfolio and considering suitable market solutions.
High-value commercial insurance is best considered as a portfolio, with the assets, activities, liabilities and policy structure viewed together.
A larger portfolio deserves a more deliberate review
Acrusure considers the client’s assets and values, business activities, liabilities, existing arrangements, changes and potential gaps before comparing suitable solutions.
Understanding the commercial portfolio
A portfolio review considers the business activities, assets, values and areas of liability together.
Considering substantial commercial assets
The scale and circumstances of the portfolio can influence insurer appetite, structure and the markets considered.
What we help you review
Assets & values
Review the assets and values that form part of the commercial portfolio.
Business activities
Understand what the business does and how its activities shape the exposure.
Liability exposure
Consider the liabilities associated with the business and its operations.
Portfolio structure
Review current policies for gaps, duplication, inappropriate structures or underinsurance.
Market comparison
Where appropriate, different insurance and underwriting markets can be approached and compared.
Ongoing portfolio management
Reviews can be performed at renewal and when assets, activities or circumstances change.
Our approach to high-value commercial portfolios
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.
High-value commercial portfolios FAQs
What is a high-value commercial portfolio?
Acrusure identifies high-value commercial portfolios as a specialist insurance area. The exact nature of the portfolio depends on the client’s assets, activities, values and exposures.
Can an existing high-value portfolio be reviewed?
Yes. Acrusure’s structured review considers assets, values, activities, liabilities, policy structure, gaps, duplication and underinsurance.
Will the same insurer always be appropriate?
Not necessarily. Insurer appetite and the suitability of available solutions depend on the particular risk.
Can the portfolio be reviewed during the policy year?
Yes. Acrusure encourages reviews when circumstances change and not only at renewal.
Need a structured review of a high-value commercial portfolio?
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