Industry Specialisation: we know your business
The Retail industry has unique and changing risks that require specialists to determine the best risk minimisation strategy.
Our role is to help identify risk and determine the best way to manage it. In doing so, we apply our knowledge and understanding of relevant legislation across all jurisdictions; our awareness of the latest insurance products available; and our local, national and international networks to transfer clients risks to an appropriate carrier (insurer).
Our process begins with a risk profile review. This detailed assessment allows us to build a comprehensive picture of your potential exposure. We then help determine a strategy to best deal with each risk - either by terminating, transferring to an insurance company, or retaining the risk under controlled conditions. In our view, risks should only be tolerated by choice and not because of lack of awareness or oversight.
Where insurance cover is needed, we develop clear and comprehensive policies for our clients before negotiating the best possible conditions and premiums from insurance company underwriters. We take a flexible approach, first examining a variety of policies from a range of providers. If no existing policy is suitable, we will customise a policy and negotiate its placement with an insurer on our client’s behalf.
In each of our key industry sectors, EBM employs teams of experienced staff whose job it is to thoroughly understand the risks inherent in that industry.