As part of the focus on total Client satisfaction, CIC delivers the following services:-

Insurance Brokerage Services

• Verification of terms and conditions of policies
• Management of Insurance Portfolio of insured risks
• Monitoring of Insurance marketplace
• Prompt payment of premium to insurers

Marketing Services

• Selection of underwriters with stability, flexibility and value added claims handling and other services
• Collection of data relating to the risk exposures so as to ensure complete understanding of the risk and the presentation of data to underwriters to obtain the best possible rating

Claims Services

• Liaison between clients and the insurance companies in all claims matters
• Developing claims handling guidelines to facilitate the easy flow of information between clients and insurers
• Developing claims handling procedures to be used in the reporting of claims and suits.
• Achieving prompt and fair claims settlement.
• Maintaining claims data bases which assist clients in the managing of risks.
• Evaluation of insurers on the basis of their flexibility and approach to settlement of claims as well as the promptness in claims settlement.

Financial Consultancy

• Analyzing insurers financial statements
• Determine insurer’s solvency status
• Review client’s accounts to determine their ability to self insure and/or select increased deductibles as a means to save premiums
• Review insurers financial ratings
• Provide premium financing recommendations

Risk Management Services

Insurance and the management of pure risks has become a specialized field beyond the routine purchase of policies of indemnification resulting in new strategies being developed and an appropriate application of the processes that will ensure risk minimization

We at CIC in collaboration with our overseas Associates provide the tools to assist with these management functions for our clients, which can include the following processes:-

• Risk Identification
• Loss Evaluation
• Risk Improvement
• Loss Minimisation
• Risks transfer (other than by insurance)
• Loss Financing (including insurance buying)

Loss Control Services

Our Consultants are professionally qualified, multi-disciplined and fully equipped to provide advice and guidance to clients for purposes of eliminating or minimizing risks to their business whilst keeping costs to a minimum.  .  A wide variety of services already developed are available and these are tailor-made for each client as required.  Some services will include:-

• Risk Consulting
• Risk Profiling
• Audits and control of Audit programmes
• Training and Advice
• Risk improvement programmes
• Underwriting reports to support insurance placements

Employee Benefits Services

• Health Insurance Programmes
• Pension  Schemes
• Annuities
• Group Life Insurance
• Individual Life Insurance