Corporate Insurance Structuring
For large organisations, insurance requirements are often spread across multiple business units, assets, projects, locations and risk categories. A fragmented approach can result in gaps in coverage, duplication of insurance, inefficient premiums and inadequate protection against critical business risks.
VSC Universal provides Corporate Insurance Structuring services to help organisations design, review and optimise their overall insurance architecture.
Our services include enterprise-wide insurance needs assessment, risk mapping, insurance programme design, policy structuring, coverage optimisation, deductible and retention analysis, policy consolidation, premium benchmarking and development of appropriate insurance procurement strategies.
We assist corporates, PSUs, government organisations, infrastructure companies and project developers in structuring insurance programmes covering property and industrial assets, plants and machinery, construction and erection projects, infrastructure projects, warehouses and inventories, business interruption, marine and logistics risks, liability exposures, employee benefits, cyber risks, professional risks and management liabilities.
For project-based businesses, we can assist in developing insurance structures covering the complete project lifecycle, including construction, erection, testing and commissioning, operational risks, transit, third-party liability, delay-related exposures and other project-specific risks.
Our advisory also covers group insurance structures, master policies, multi-location insurance programmes, captive and retention considerations, co-insurance and reinsurance-related structures, where applicable, enabling clients to develop a coordinated approach to risk transfer.
We work with clients to align insurance structures with their asset base, operational risk profile, contractual obligations, financing requirements and business continuity objectives, while seeking an appropriate balance between risk retention and risk transfer.
