Corporate Insurance

Employee benefits, liability, marine, project and property risk.

Container ship at berth being loaded, illustrating marine cargo risk transfer
Corporate Insurance6 min read

Marine cargo insurance and Incoterms: who actually owns the risk at sea

Most uninsured cargo losses are not caused by a refused claim. They are caused by a seller and a buyer who each assumed the other side's Incoterm obligation covered it. Here is where risk really transfers.

SmartTech Insurance

Small business owner reviewing a group mediclaim renewal quote against claims data
Corporate Insurance5 min read

Group mediclaim for a 20-person company: the first renewal is the real price

Year one of a group health policy is priced on a guess. Year two is priced on your own claims. That is where a badly structured policy becomes expensive, and where most SMEs first find out what they bought.

SmartTech Insurance

0