What is Worker's Compensation?

Refresh-Link offers comprehensive Workers’ Compensation Insurance to cover your employees against work-related accidents, in compliance with legislated requirements.

The following employees can benefit from Workers’ Compensation:

The aggregate deductible fund is also protected by a stop loss which caps all claims in excess of a specified limit.

What is Assets All Risk Insurance?

Assets All Risk Insurance is a policy with an extensive scope of cover, with the objective to insure all of a company’s assets. This type of corporate business insurance is designed to insure all business assets in one policy document, specifically tailored to the needs of the client.

A typical Assets All Risk policy will offer coverage for damage to property, business interruption, machine breakdowns and other uncategorised accidents up to specified limits.

National and multinational assets

With extensive underwriting experience, Hollard is able to offer flexible, innovative corporate insurance solutions for national companies that need local business solutions and multinational organisations with group programmes.

Our insurance offer is made greater by us only using credible reinsurance capacity, giving you risk protection and security.

What is Alternative Risk Transfer?

We offer Alternative Risk Transfer, especially for those corporate clients interested in financial insurance solutions other than traditional risk cover.

Alternative Risk Transfer Insurance provides funds to cover unexpected losses experienced by a company, as a form of Risk Capital Management. It can be used by a company as a type of self insurance where conventional insurance policies may become too expensive.

Hollard has a 4-step approach to Alternative Risk Cover solutions

1. Organisational analysis is carried out to gain a better understanding of the strategic direction of a company and its corporate insurance goals, enabling us to design a risk finance programme specifically aligned to their goals and objectives.

2. Risk exposure analysis of existing exposures is available across the total risk spectrum. This identifies exposures that aren't protected or are only partially protected and analyses the cost-efficiency of conventional liability insurance.

3. Financial analysis determines the company’s ability to absorb losses, without materially affecting its financial status

4. Statistical analysis of losses is implemented for the period of the last three years. This allows us to identify predictable loss patterns that should ideally be retained or not transferred to the insurer.