Once we have identified and quantified our clients' risk exposure (ie. Risk Profile), then we are in a position to design an appropriate risk transfer (ie. insurance) program.

The insurance program we design will take into account the following factors:

• Risk appetite (ie. how much risk you want to retain).
• Probability and consequence analysis.
• Financier and other third party requirements (eg. contractual requirements).
• Other risk management measures (eg. physical protection, critical spaces etc).
• Analysis of possible and probable loss scenarios.
• Historic claims experience.
• Cost Benefit analysis.
• Normal / prudent insurance covers (particularly relevant for publicly listed companies).
• Structured so that it can accommodate future changes in risk profile.
• Complies with legal and legislative requirements.
• Is tailored to cover specific and evolving risks.