Caruso is a specialist, totally independent corporate risk and insurance agency.

 

We have no agencies with any Insurers and therefore no affinity to them. We serve our clients with no conflict of interest, helping them minimise their overall cost of risk by providing efficient access to specialist insurer capacity.

 

The common practice of FDs, MDs and Company Secretaries inviting two or three brokers to tender for their business periodically against their incumbent is flawed at the best of times and will almost certainly have negative implications in a “hard market” where there is a lack of Insurer capacity.

 

Caruso’s carefully controlled tender process and method of managing competing brokers to ensure the best possible outcomes are achieved from Insurers/Underwriters is especially effective in “hard market” cycles where there needs to be:

 

• Qualitative control over the accuracy of information presented to Underwriters

• Focus on the overall cost of risk – not just premiums – utilising alternative risk transfer models/non-conventional solutions

• Specialist services and sector specific experience

• Tri-partite relationships built between the client, broker and insurer (feared/resisted by many brokers)

• Truly INDEPENDENT advice (which brokers claim to offer but whose entire business model creates a conflict of interest)​​

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Contact us now for expert advice on how to minimise premiums and the overall cost of risk to your organisation.