CORPORATE INSURANCE
Corporate risk, designed from your side.
We handle the full range of corporate non-life insurance, including property and liability, and specialize in trade credit insurance. We first design the coverage and limits you need, then approach several insurers on those terms.
LINES OF BUSINESS
Lines We Handle
We handle all lines of corporate non-life insurance. Our specialty is trade credit insurance: securing credit limits, negotiating coverage terms, and using the cover for financing.
CORE SPECIALTY
Trade Credit Insurance
Covers the risk of unpaid receivables. Drawing on underwriting experience at credit insurers, we handle everything from securing credit limits and designing and negotiating terms to managing limits after placement.
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RELATED SOLUTION
Insurance-Backed Financing
One way to use trade credit insurance. For insured ABL, factoring and receivables securitization, we design the insurance terms and align them with what lenders require.
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All lines
PROGRAM DESIGN
Primary insurance and reinsurance designed as one program
For large sums insured or natural catastrophe risks, a single insurer may not offer the capacity needed. We then secure it by combining coinsurance among several insurers with facultative reinsurance placed with overseas reinsurers.
Because the same person negotiates with the insurers and arranges the reinsurance, the primary and reinsurance terms are less likely to diverge.
POLITICAL RISK
Political Risk Insurance
Covers losses arising from the politics or institutions of another country in overseas investments or long-term export contracts. Few insurers write it in Japan, so we look for capacity in overseas markets as well.
Expropriation and nationalization
Losses from seizure of assets by a host government or measures that make it impossible to continue the business.
Transfer restrictions and inconvertibility
Losses from being unable to convert dividends or proceeds into foreign currency or to remit them abroad.
War and political violence
Damage to assets from war, civil unrest or terrorism, and the resulting business interruption.
Eligible transactions
Equity and loans to overseas subsidiaries, facilities held abroad, and long-term export and project contracts.
Terms we negotiate
Countries covered, policy period, limit of liability, waiting period and insured percentage, negotiated with insurers to fit the transaction.
* Whether cover is offered, and on what terms, is decided by the insurer based on the country and the transaction.
FOR SPECIFIC CLIENTS
For Specific Clients
Insurance for Japanese subsidiaries of Korean companies, arranged and managed in line with head office policy
We work in both Korean and Japanese, arranging insurance and reporting in a way that fits both Japanese insurance practice and the Korean head office's management policy.
Reporting to head office
We report contract details, renewal terms and claims status in Korean as well, in a form the head office team can easily review.
Global programs
We arrange Japanese local policies to fit the head office's global insurance program, and can coordinate with the fronting insurer or co-broke with the head office's broker.
Trade credit insurance
For receivables from customers in Japan, we secure credit limits and manage the policy after placement.
Designing insurance schemes for cooperatives and industry associations, and negotiating cover
We bring together the risks members share and design an insurance scheme they can join as a group.
For solar power operators
We design group schemes covering property damage, business interruption and liability for generating facilities, and negotiate with the insurers.
Other group schemes
For risks common to an industry, we negotiate coverage, eligibility and premium levels with insurers on a group basis.
When capacity falls short
Where the scheme's total sum insured is large, we secure capacity by combining coinsurance and facultative reinsurance.
* Whether a scheme can be set up, and on what terms, is decided by the insurer based on the number of members and the risks involved.
For associations →POLICY REVIEW
Reviewing Your Current Insurance
STEP 01
Review your policies
We go through your policies, wordings and endorsements with you.
STEP 02
Check for gaps and overlaps
We compare the cover with your actual business risks and identify gaps and duplications.
STEP 03
Redesign the terms
We redesign coverage, limits, deductibles and budget.
STEP 04
Approach insurers
We approach several insurers, compare the results and make a recommendation.
If the review shows your current contract is appropriate, we recommend keeping it.
FAQ
Frequently Asked Questions
What if no single insurer will write the sum insured we need?
We look at a structure that combines coinsurance, where several insurers share the risk, with reinsurance to secure the capacity. Whether cover is offered, and on what terms, depends on each insurer's and reinsurer's underwriting.
Can you just review our insurance without changing our current agency or insurer?
Yes. We go through your policies and wordings with you and identify gaps and overlaps. If your current contract is appropriate, we recommend keeping it.
How do you set up an insurance scheme for an association?
We work with the association to set out the risks members share and the cover they need, then approach insurers. Whether cover is offered, and on what terms, depends on the insurer's underwriting. Each member decides whether to join.