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Our approach
We operate as an extension of your organisation
One dedicated point of contact, cover structured around your business and active support from placement through to claim.
We are not a pass-through between you and your insurer
We work as an extension of your team; understanding your business, anticipating the risks involved and structuring insurance around the way you trade. We manage the entire insurance process.
Adviser
We identify your exposures and advise you on the most appropriate way to address them.
Negotiator
We defend your interests in the insurance market, negotiating the right scope of cover, terms and pricing.
Risk manager
We assess the risks across your operations and consider how these can bereduced, transferred or insured.
Coordinator
We manage the insurance process from start to finish, coordinating with every party involved from placement through to claims and final recovery. We run the entire process, from placement through to final recovery. We coordinate with every party involved.
We coordinate with every party involved
Insurance rarely involves only you and your Underwriters. A single loss can involve surveyors, carriers, lawyers, recovery agents and local correspondents; often across multiple jurisdictions. We bring those parties together and coordinate the process on your behalf, giving you one central point of contact and ensuring information, actions and responsibilities remain aligned throughout.
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A single point of contact, end to end
Most brokers split their work across departments, with one team placing cover and another handling claims. Valuable information and time may be lost in between.
How Havrico Insurance works
How others do it
At Havrico Insurance, every client has a dedicated Account Manager who remains closely involved throughout the relationship, from structuring your cover to handling your claims.
Your account manager
One dedicated point of contact who understands the full picture; your business, trade flows and contracts, cover and ongoing matters. From structuring and negotiating your insurance to day-to-day support and claims, they remain closely involved at every stage through to final compensation.
The team behind them
Our Administration and Claims Officers support the day-to-day execution, policy administration, certificates, declaration and practical claims handling.
How we work with you
Our involvement runs across the whole life of your cover, not just the point of placement.
Understand
We begin by understanding your operation in depth, your trade flows, commodities, contracts, counterparties and logistics, so we can identify where you are exposed.
Structure
We design cover around that reality, using our own broad policy wordings, so it is both technically sound and effective in practice.
Support
We stay involved day to day, with guidance on declarations, insured values, Incoterms and shipment requirements, so your cover is applied correctly and gaps do not arise.
Defend
When a loss occurs, we manage the claim hands-on: preparing your file, coordinating with surveyors, carriers and insurers, and defending your interests with underwriters to secure a proper recovery.
Built on our own policy wordings
- Developed and refined over many years;
- Broad, robust, and widely recognised;
- Fit for international trade.
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Access to the right markets
As an independent broker, we place each risk where it is best covered. Over the years we have built a strong network of international A-rated Underwriters.This gives us access to broader capacity and a wider range of solutions. We see the relationship between client, broker and Underwriters as a long-term partnership; built on trust, transparency and a shared understanding of the risks.
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Work with a broker who knows your business
If you’re looking for an insurance broker who works alongside your team and remains closely involved at every stage, we’d be glad to talk.