www.habibrc.com contact@habibrc.com
20
What is the problem we’re solving? 01
What is the problem we’re solving? A majority of Pakistani businesses source their insurance policies for insurance agents. Research has shown that a large number of observed insurance policies are inefficient, riddled with gaps and with opportunities to add better coverages. As a result, customers carry extra risk in their businesses and sometimes have problems in claims settlements.
How do we add value?
How
02
do we add value?
Gap Analysis
01
Policies are regularly copy pasted across businesses in Pakistan with many errors. We run a deep Gap Analysis to uncover any mistakes and gaps in your policies.
How do we add value? 03
02
03
Asset Examination
Pricing
After reviewing your policies, we examine your plant(s) with a team of engineers to ensure your policies have been tailored to your assets. Additional gaps are usually uncovered in this stage.
We educate insurance companies on your business and strive to get even better pricing and terms from the market.
How do we add value? 04
05
04 Team Traning
Policy Quality Check
After reviewing your policies, we examine your plant(s) with a team of engineers to ensure your policies have been tailored to your assets. Additional gaps are usually uncovered in this stage.
Upon client approval. We have the policies issued. Our team conducts a quality check on your documents.
LEARN MORE
Who we are? 05
Who
we are?
Habib Risk Consultants Pvt. Ltd (HRC) comprises of a team of insurance experts with three verticals:
Who we are? 06
Advisory
Brokerage
Training
A review of your insurance policies coupled with the right engineers to understand your plant operations.
A good insurance broker can understand your business and find solutions to reduce pricing and/or improve coverages.
Training clients’ on:
Policies are tailored, connected to your assets and quality checked before delivery.
Unlike an agents, a broker is not tied to any one insurance company.
On-going reviews are conducted with your team to ensure any changes in your business are mirrored in your policies.
We leverage our insurer relationships to providing cost effective pricing.
-Policy exclusions (what is not covered) -Best practices in Claims Handing -Reducing premiums through better risk management techniques -Other recommended covers
Who we are? 07
We connect your insurance to your business, remove all policy gaps, improve terms & pricing, and ensure your teams are trained to avoid and manage claims. HRC is a Habib Group company.
ABOUT HABIB GROUP: The Habib Group’s history in banking and financial services dates to 1922 in India. Currently, the Group’s network of business spread across, banking, insurance and investments.
HRC, regularly connects their customers into the Habib Group’s umbrella for better solutions across all their financial needs.
Who make the changes? 08
Who make the changes?
Both agents and brokers are paid by the insurance companies and are FREE for the customer.
Who make the changes? 09
Broker Work with the entire market. Represent the client and their interests. Able to source different solutions and prices from a range of companies both local and international. An integral part of their service to support in both filling claims and providing guidance. Will also use in house engineers and underwriters to better guide the client on rish mitigation.
O R
Agent Work with usually one insurance company. Represent the insurance company and interests. Provide solutions and pricing from their respective insurance company. May support in the event of a claim. At the discretion of the insurance company.
Habib Risk Consultants (Pvt) Ltd www.habibrc.com contact@habibrc.com 4th Floor, Imperial Court, Dr. Ziauddin Ahmed Road, Karachi, Sindh