https://saibaglobal.net/blog/ Insurance portfolio management, RMIS, renewals, coverage gaps and corporate risk — practical guides from SAIBA Corporate. en Sun, 13 Sep 2026 08:47:02 GMT https://saibaglobal.net/blog/valuing-assets-for-sum-insured/ https://saibaglobal.net/blog/valuing-assets-for-sum-insured/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/under-insurance-and-the-average-clause/ https://saibaglobal.net/blog/under-insurance-and-the-average-clause/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/renewal-negotiation-with-your-own-data/ https://saibaglobal.net/blog/renewal-negotiation-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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/premium-allocation-across-business-units/ https://saibaglobal.net/blog/premium-allocation-across-business-units/ How to allocate group insurance premium to business units and cost centres: allocation bases, group vs unit policies, budgeting, unit reporting and pitfalls. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/multi-location-corporate-insurance-programme/ https://saibaglobal.net/blog/multi-location-corporate-insurance-programme/ How to consolidate plants, warehouses, offices and fleets across business units into one corporate insurance programme: stages, governance and pitfalls. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/marine-open-cover-declarations/ https://saibaglobal.net/blog/marine-open-cover-declarations/ How a marine open cover works, declaring each consignment, deposit premium adjustment, the limits to watch, and the errors a declarations register prevents. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/insurance-endorsements-guide/ https://saibaglobal.net/blog/insurance-endorsements-guide/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/group-health-insurance-administration/ https://saibaglobal.net/blog/group-health-insurance-administration/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/gpa-gtl-workmens-compensation/ https://saibaglobal.net/blog/gpa-gtl-workmens-compensation/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/employee-self-service-insurance-portal/ https://saibaglobal.net/blog/employee-self-service-insurance-portal/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/effective-premium-rate-kpi/ https://saibaglobal.net/blog/effective-premium-rate-kpi/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/directors-and-officers-liability-insurance/ https://saibaglobal.net/blog/directors-and-officers-liability-insurance/ What D&O, public, product, professional and employer's liability cover, who needs each, and how limits, retentions and claims-made wordings really work. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/cyber-insurance-for-enterprises/ https://saibaglobal.net/blog/cyber-insurance-for-enterprises/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/corporate-insurance-management-software-buyers-guide/ https://saibaglobal.net/blog/corporate-insurance-management-software-buyers-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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/corporate-insurance-claims-process/ https://saibaglobal.net/blog/corporate-insurance-claims-process/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/business-travel-insurance-for-employees/ https://saibaglobal.net/blog/business-travel-insurance-for-employees/ 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. Sun, 13 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/what-is-rmis/ https://saibaglobal.net/blog/what-is-rmis/ A plain-English guide to RMIS: what it does, who needs one, and how modern platforms cut cost and coverage gaps for corporates. Wed, 02 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/on-premise-vs-cloud-insurance-software/ https://saibaglobal.net/blog/on-premise-vs-cloud-insurance-software/ On-premise or cloud for insurance portfolio management? The trade-offs on data residency, security, speed and cost — and how to decide. Wed, 02 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/insurance-renewal-management/ https://saibaglobal.net/blog/insurance-renewal-management/ Missed renewals cause lapses and rushed placements. A practical playbook for a corporate insurance renewal calendar that never slips. Wed, 02 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/insurance-gap-analysis/ https://saibaglobal.net/blog/insurance-gap-analysis/ What a coverage gap is, why gaps appear, and how to run an insurance gap analysis that finds under-insurance before a claim does. Wed, 02 Sep 2026 00:00:00 GMT https://saibaglobal.net/blog/corporate-insurance-register/ https://saibaglobal.net/blog/corporate-insurance-register/ What a corporate insurance register is, what to capture, and how to keep it current so it drives gap analysis and board-ready reporting. Wed, 02 Sep 2026 00:00:00 GMT