Risk analysis
At Insurance Keepers, we place risk analysis at the heart of our consulting approach. Every company is unique, with its own specific characteristics, challenges and, above all, vulnerabilities. We carry out an effective risk analysis in five steps.
Gathering information about the company
This phase requires interviews with the company's decision-makers and managers. During an initial meeting, we get to know your company and, above all, get to know you!
Before identifying risks, it is essential to have a thorough understanding of the company:
Risk identification
This involves mapping all the internal and external risks to which the company is exposed.
At this stage, it is useful to carry out site visits and use sector-specific checklists.
Personnel Risks
> D&O Liability
> Occupational / Personal Accidents
> Illness, Accident, Disability, Death
> Pension Provision
Property Risks
> Fire, Natural Disaster, Water Damage
> Theft, Vandalism
> Machinery Breakdown
> Loss or Damage to Stock
> Technical Issue
Liability Risks
> General Liability (third-party damages)
> Professional Liability
> Product Liability
> Owner's Civil Liability
Financial Risks
> Business Interruption
> Credit & Debtor Risks
> Legal Disputes
Cyber Risks
> Cyberattack, Ransomware
> Data Breach
Specific Risks
> Transport / Logistics
> Financial Guarantees
Risk assessment
Each identified risk must be assessed according to two criteria:
Criterion 1: Frequency (probability of occurrence): low/medium/high
Criterion 2: Severity (potential impact): financial, operational, reputational
The potential amounts of claims must be estimated, taking into account existing deductibles and coverage limits.
Risk management
This phase consists of defining measures for each risk:
→ Business liability, product liability, environmental liability
→ Building, contents, machinery, business interruption
→ Cyber risks
→ Credit insurance
→ Personal insurance (accident insurance, supplementary pension, group health insurance)
→ Transport/cargo insurance
→ Financial guarantees (surety bonds, etc.)
The analysis should result in specific proposals for insurance solutions tailored to the company's profile and budget.
Writing an analysis report
For a professional risk analysis report to be complete, it must contain:
This report will serve as a basis for discussions with management and may be updated regularly (annually or when significant changes occur).
Frequently asked questions
→ analyse your specific needs and risks,
→ negotiate the best coverage and rates,
→ monitor your contracts over time and adjust them as your business evolves,
→ assist you in the event of a claim, defending your interests.
At Insurance Keepers, we work exclusively in the interests of our clients as an independent intermediary with a comprehensive overview of your insurance coverage. You benefit from a single point of contact who is responsive and committed!
It serves as a basis for implementing preventive measures and choosing insurance policies that are truly tailored to your needs. This prevents you from paying unnecessary premiums while ensuring optimal coverage. Insurance Keepers offers a personalised approach to securing your business for the long term.
Our goal?
We provide you with a clear understanding of your risks and support you with tailor-made, sustainable and scalable insurance solutions that are perfectly suited to the realities of your sector.
