Risk analysis
We go through your contracts and point out gaps and duplications.
Why this matters
Insurance folders grow over the years almost by themselves: the basic package came at foundation, later a contract via the garage, one via the bank, one after an incident. What is missing only becomes apparent in the event of a claim – when the insurer points to an exclusion or a risk simply isn’t covered anywhere. Conversely, many businesses have been paying twice for the same risk for years because two policies overlap. Both remain invisible until someone lays the whole picture out side by side.
A full analysis is particularly advisable after changes: a move, new business lines, larger investments, more staff – each of these stages shifts the risk landscape while the policies stand still. The Swiss framework adds an often overlooked point: under the Insurance Contract Act (VVG), material increases in risk must be reported to the insurer, otherwise benefits may be reduced in the event of a claim. There is no obligation to carry out a risk analysis – it is a voluntary service that, as a rule, pays for itself through eliminated double cover and avoided gaps.
What you get out of it
You know which risks are insured — and which are not.
Duplicate policies get thrown out: that saves on premiums immediately.
An action plan instead of a folder full of individual policies.
What we take care of for you
- Review of all your contracts and policies
- Side-by-side comparison of risks, cover and gaps
- Concrete recommendations with priorities and savings potential
- Implementation and annual follow-up review
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
New location, new activity, new machines: take every major change as a prompt to look at the policies concerned and tell the insurer what has changed. That not only protects your cover, it also stops you paying for things that no longer exist.
The right order is: first fully cover the risks that could kill the business – liability, fire, business interruption, loss of key people. Small risks you could carry from cash flow may take higher retentions or remain uninsured altogether.
Many contracts renew tacitly for another year, and notice periods of three months before expiry are common. If you don’t track the dates, you stay stuck even in bad contracts. A simple overview with expiry date and notice period per policy is all it takes.
Record on a single page: which risk, which policy, which sum, which retention, which deadline. This overview makes gaps and duplications visible and is worth its weight in gold in the event of a claim – including for deputies who have to act in an emergency.