Insurance Advisory
Croisette Insurance Advisory offers innovative and modern insurance advisory with a focus on security and added value for the real estate industry.
Modern insurance advisory for the real estate industry.
It can be both difficult and time-consuming to find the right insurance solutions. Croisette Insurance Advisory provides professional insurance advice and innovative insurance advisory to help our clients in the best possible way. We act in the client’s best interests, with flexible insurance advisory based on wishes and needs. This means we analyse the specific insurance needs and prepare tailor-made insurance solutions.
Innovative and profitable solutions.
The basis of our insurance advisory is obtaining and comparing premiums and conditions from different insurance companies. We also recommend appropriate insurers – with the aim of saving both time and money for our clients. But we are not satisfied with just doing that. Croisette has a new and modern way of thinking; we have developed innovative and profitable solutions for the real estate industry, in order to create both a sense of security and added value!
Who we are
Our modern insurance advisory challenges the market with innovative, customized, and profitable insurance solutions.
We think creatively and flexibly, constantly evolving to deliver insurance advisory services at the forefront of the industry.
We are curious:
Our concept
We want to create sustainable collaborations based on commitment, responsiveness and a flexible way of working.
Our modern insurance advisory creates both a sense of security and added value for you as a client. We always want to find a win-win model for each individual client.
We are curious:
What we offer
Croisette’s insurance advisory has developed unique and profitable solutions tailored for the real estate industry.
In addition to our insurance advisory services, we also provide a rewarding network consisting of property owners and entrepreneurs.
We are curious:
We can help your company with all types of insurance, but specialize in:
Property & Business Insurance
We guide you to the right insurance and the right price. We value property, advise on damage prevention measures and help with damage claims.
Home Insurance
We give you the opportunity to offer your tenants or tenant-owners added value and security in the form of home insurance.
Construction Insurance
Do you run a construction business and think insurance is complicated and time-consuming? We can help you!
Performance Insurance
Often it can be beneficial to take out performance insurance instead of a bank guarantee. We are happy to provide more information about how it works.
Guarantee Insurance
Does your client or supplier require some form of guarantee? Guarantee insurance ensures that the obligations can be fulfilled in accordance with the contract, even if one party becomes insolvent.
Property Transaction Insurance
Are you a transaction-intensive property owner? There are benefits for both buyers and sellers in taking out property transaction insurance.
What does the Insurance Advisory service cost?
You could say that the service is free of charge. Using our services does not incur any additional costs and we do not send an invoice for them. We are paid by the insurance companies in the form of a cost-neutral commission. This means that the insurance premium is the same for you as a client, regardless of whether or not you use an insurance broker
Our Insurance Advisory process
01.
Power of attorney
The service requires a power of attorney signed by an authorised signatory, which confirms that we are authorised to act on the client’s behalf regarding insurance matters. We have to show the power of attorney to the insurance companies in order to obtain information about, for example, current insurance policies and the claims history, as well as to obtain quotes and premiums.
02.
Order agreement
We always write order agreements with each client stating what powers we have in terms of acting on their behalf. The agreement describes the assignment in more detail, the process itself and the conditions. Order agreements are usually valid for three years.
03.
Needs Analysis
The starting point for each assignment is always the client’s needs and wishes. We therefore review the client’s current insurance solution and analyse the risks that exist for the company and/or business.
04.
Insurance Plan
Together with the client, we draw up an insurance plan / insurance manual. This contains overall information about the scope of the insurance, the excess and how often we should request insurance quotes. Also how the client works/wants to work with damage prevention measures – to reduce the risk of the occurrence of burglary, fire and water damage.
05.
Valuation
In order to be able to insure what needs to be insured, you need to know its value. We collect a large amount of information about the client, its properties and its business. We define insurance sums for real estate (full value) and other property, so the client can feel secure that they have the right insured sum if an accident should occur.
06.
Request for quotes
Based on the information we have collected and analysed, we now compile a request for quotes (RFQ). The request is sent out to a number of insurance companies that are believed to be interested in insuring the risk, and we ask them to submit a quote regarding what such an insurance policy would cost.
07.
Comparison of quotes
Once we have received the quotes from the insurance companies, we make a comparison of these in terms of scope, terms and premiums. Our assignment includes providing a recommendation to the client, in which we explain why we propose a certain solution, based on the client’s needs and wishes.
08.
Issuing of policy
Once the client has chosen an insurance company, we notify the insurance company of this, and it then issues the insurance documents and sends them to us for checking, before we send them on to the client. The client pays the invoice to the insurance company. During the insurance year, we provide insurance-specific advice in the case of additions to, extension of or restructuring of, or other changes being made to, the business. Before the next renewal, we carry out an annual check and update of the brokered insurance policies.
We can broker property damage insurance from all the various insurance companies.
Croisette is not obliged to broker insurance policies from specific companies or restricted to only working with a few insurance companies. We are authorized by the Swedish Financial Supervisory Authority to carry out insurance brokering regarding all types of non-life insurance.
Information and Documents
Please read our Pre-purchase Information.
In order to enter into a cooperation, a Power of Attorney signed by the client is required, granting us the authority to enter into insurance agreements on the client’s behalf.
To clarify the assignment, powers, and responsibilities, we also establish individual Order Agreements with our clients, providing certainty for both parties.
Here you can read our General Terms and Conditions of Delivery.
If we disagree about something, you can find our complaints procedure here.
Get in touch
Do you already know what you’re looking for? Do you need advice? Fill out the form below, and we will get in touch with you!
