Corporate Risks

One of the principle platforms of our business strategy from the outset has been to establish PHP as a flagship business for the design and construction of insurance and risk management programmes to the business sector.

This is an area of expertise that requires a wide range of skills to ensure that the policyholder is provided with the range of cover that protects the financial integrity of the business in the event of asset damage and at the same time allows the business to comply with the legal requirements of operating in that particular sector.

Insurers and brokers alike sell aggressively to the business community but many get it wrong. At PHP we take the time to get things right every time and recognise that the insurance requirements of each customer are unique.

We undertake to:

• Carry out a complete fact find of the business activities in which a company is involved.

• Analyse the risks that these activities present.

• Design an insurance programme that is relevant to these activities and at the same time reflects the policyholder's attitude to risk. For example some organisations prefer to self-insure up to a certain level in return for premium discount. On each occasion we will carry out a cost versus benefit analysis so that an informed decision can be taken which is in the customers best interests.

We will go that extra mile to ensure that a contract meets every need and more importantly will respond in a loss situation. As a company we have the skills to provide total solutions across the board including amongst other things:

• Asset protection including electronic equipment.

• Business continuity.

• Liabilities.

• Motor fleet.

In addition we deal with professional risks director protection and the movement of goods around the world. We are able to carry out free confidential audits of existing programmes and can furthermore apply these skills for the purposes of any due diligence required by our clients.