The SAIBA Corporate blog
21 practical guides on running a corporate insurance programme — registers, cover and gaps, renewals, claims, employee benefits, specialist lines and the numbers a CFO should watch.
Effective Premium Rate: The One Insurance KPI a CFO Should Track
Premium divided by sum insured is the one insurance number a CFO should watch. How to compute it by class, trend it and use it at renewal and with the board.
FinanceNegotiating Insurance Renewals With Your Own Data
Why the corporate that brings its own claims ratio, rate history and asset register renews on better terms, plus a renewal pack checklist and 120-day timeline.
FinanceUnder-Insurance and the Average Clause: How Claims Get Cut
The average clause scales every claim down when your sum insured is too low. A worked example, why sums insured drift, and how to put it right at renewal.
FinanceValuing Assets for Sum Insured: Buildings, Plant, Stock and IT
Reinstatement, book or market value? How to set the sum insured for buildings, plant and machinery, stock and IT so claims pay in full, and when to revalue.
GuideMulti-Location Business Insurance: Building One Group Programme
How to consolidate plants, warehouses, offices and fleets across business units into one corporate insurance programme: stages, governance and pitfalls.
FinanceAllocating Insurance Premium Across Business Units and Cost Centres
How to allocate group insurance premium to business units and cost centres: allocation bases, group vs unit policies, budgeting, unit reporting and pitfalls.
OperationsCorporate Insurance Claims: From Intimation to Settlement
How a corporate insurance claim moves from intimation to payment, the documents each type of claim needs, and why claims get cut or rejected. A practical guide.
OperationsInsurance Endorsements: Keeping Cover in Step with Your Business
What an insurance endorsement is, common types, how pro-rata premium and refunds work, and why unrecorded changes become uninsured losses. Plus a log template.
PeopleGroup Health Insurance Administration: A Guide for HR and Admin
How to run a group mediclaim policy day to day: enrolment, dependants, mid-term endorsements, e-cards, cashless vs reimbursement, TPAs and health data privacy.
PeopleGPA, GTL and Workmen's Compensation: What Each Employee Cover Does
What GPA, GTL and workmen's compensation each cover, how sum insured is set, where they overlap, and how to keep the covered-employee list in step with HR.
PeopleEmployee Self-Service Insurance Portal: What Good Looks Like
What an employee self-service portal for group insurance should let staff do, what it takes off HR's desk, how to drive adoption, and how to handle privacy.
PeopleBusiness Travel Insurance for Employees: Plans, Approvals and Records
Per-trip versus annual multi-trip plans, rate cards by duration and region, what is covered, who approves, and the travel cover gaps that catch corporates out.
Specialist linesMarine Open Cover and Declarations: A Guide for Corporates
How a marine open cover works, declaring each consignment, deposit premium adjustment, the limits to watch, and the errors a declarations register prevents.
Specialist linesCyber Insurance for Enterprises: Cover, Exclusions and Underwriting
What enterprise cyber cover includes and excludes, how insurers assess your controls, how to size limits, and how to tie it to your incident response plan.
Specialist linesD&O and Liability Insurance for Corporates: Who Needs What
What D&O, public, product, professional and employer's liability cover, who needs each, and how limits, retentions and claims-made wordings really work.
Buyer's guideCorporate Insurance Management Software: A Buyer's Guide
A checklist for choosing corporate insurance management software or an RMIS: features that matter, questions for vendors, red flags, and how to run a pilot.
GuideWhat Is a Risk Management Information System (RMIS)?
A plain-English guide to Risk Management Information Systems — what they do, who needs one, and how the modern, lighter alternatives work.
GuideInsurance Gap Analysis: Find Under-Insurance Before a Loss
Coverage gaps are found at claim time — when it’s too late. Here’s how to run a gap analysis that surfaces them first.
OperationsHow to Manage Corporate Insurance Renewals Without Missing a Date
A lapse or a last-minute scramble usually starts the same way — a renewal date that crept up unseen. Here’s how to fix that.
GuideBuilding a Corporate Insurance Register: What to Track
An insurance register is the backbone of a corporate programme. Here’s what to track, how to structure it, and how to keep it alive.
Buyer’s guideOn-Premise vs. Cloud Insurance Software: What Corporates Should Weigh
Should your insurance platform run on your servers or a vendor’s cloud? The honest trade-offs on residency, security, speed and cost.