RISK & PROGRAMME STRUCTURING
Insurance buyers waste millions on programmes that look sophisticated but don't work. Captives that shouldn't exist. Large deductibles without proper governance. Fleet risk management policies nobody follows.
We fix what's broken and build what works - fleet claims diagnostics and solutions, captive feasibility that tells you the truth, large deductible programme design, and risk retention optimisation. We implement, not just recommend.
What We Do
Fleet Risk Management
Motor fleet portfolios deteriorate for specific, fixable reasons. We diagnose root causes through claims analytics, then build and implement solutions that work.
Claims data analysis and root cause diagnostics - identify patterns in driver behaviour, vehicle types, incident timing, and claim types that drive frequency and severity
Risk management framework design and implementation - comprehensive policies, procedures, and governance structures tailored to your fleet profile
Operational assets delivered - driver handbooks, claims reporting guidelines, risk management policies, incident investigation templates, onboarding checklists
Training and rollout support - work with underwriting, claims, and distribution teams to ensure adoption
Performance measurement and refinement - track results and optimise approach
Insurance Programme Structuring
Large commercial policyholders and corporates need sophisticated insurance programmes—captives, large deductibles, or alternative risk transfer. Most get it wrong. We structure programmes that optimise risk retention, reduce the total cost of risk, and actually work operationally.
Captive Evaluation & Setup:
Captive feasibility analysis with honest economics (not sales pitches disguised as feasibility studies)
Domicile selection - analysing jurisdictions based on regulatory requirements, tax efficiency, operational costs, and governance demands
Captive structure design - single-parent, group captive, cell captive, or agency captive, based on actual needs not vendor preferences
Regulatory strategy and license application support
Operational setup - governance frameworks, service provider selection, policies and procedures
Ongoing captive optimisation - annual health checks, performance improvement
How we work
Discovery
We understand your current situation, identify key issues and agree on the scope.
Analysis & Design
We complete detailed analystics and design the implementation roadmap.
Implementation
We roll out the frameworks and support with performance review.
Typical Engagements
Fleet claims diagnostics: analysed root causes, implemented risk management frameworks, reduced claims frequency
Captive feasibility: honest economic analysis across domiciles, recommended optimal structure (or no captive)
Large deductible design: structured programmes with governance frameworks, reserving protocols, and vendor selection
Risk retention optimisation: evaluated balance sheet capacity, designed retention strategies aligned with appetite
Programme governance: built frameworks for captive oversight, claims management, and performance measurement
Outcomes We Deliver
Fleet claims frequency reduced through the implementation of risk frameworks
Risk programmes structured with honest economics and operational governance—captives evaluated truthfully, retention strategies optimised, solutions that work in practice, not just theory