“At Certus, all decisions are ALWAYS made together with our clients.”

The business of the firm is competently handled by a team of enthusiastic and talented people who together have years of experience in the local insurance and service industries. The Certus team is used to working closely together. All our employees of Certus are fluent in English and Dutch (verbal and written communication skills).

Certus Insurance Brokers B.V. is a licensed General Insurance Brokerage firm established in its current corporate structure in 2011. Certus is authorized and regulated by the CBCS under license No. 078.

As a standard, Certus Insurance Brokers will conduct her own inspection on the client’s premises in order to get to know the client’s business as well as to make her own risk assessment of the business.

CERTUS’100% ADEQUATE BUSINESS INSURANCE GUARANTEE

Nowadays the importance of adequate business insurance cannot be overemphasized. Having the right coverage may mean the difference between success and failure when faced with fire, natural disasters, accidents or liability claims. 

But how can you be sure that you have acquired the most beneficial coverage?  It is easy to get confused with countless possible policies offering different coverages, conditions, premiums and limitations. 

This is where Certus as a professional insurance brokers can help.  A good insurance broker is supposed to assist you in understanding and identifying your needs, looking for the best insurance proposals, meeting your personal requirements, “translating” the jargon found in most insurance contracts into a clear and comprehensible language, and ensuring smooth adjustments of losses that might occur during the policy period.

PPRR RISK MANAGEMENT MODEL

When selected as a client’s broker, CERTUS will immediately start to identify and quantify the risk exposures (i.e. Risk profile) to be in a position to design an appropriate risk transfer insurance program.

PPRR risk management model

We will start with the implementation of the so-called PPRR risk management.

  • Prevention; Take actions to reduce or eliminate the likelihood or effects of an incident

  • Preparedness; Take steps before an incident to ensure effective response and recovery.

  • Response; Contain, control or minimize the impacts of an incident

  • Recovery; Take steps to minimize disruption and recovery times.

THE INSURANCE PROGRAM

The insurance program will take into account the following factors:

  • Risk appetite (i.e. how much risk a client wants to retain)

  • Probability and consequence analysis

  • Financier and other third party requirements (e.g. contractual requirements)

  • Other risk management measures (e.g., physical protection critical spaces etc.)

  • Analyses of possible and probable loss scenarios

  • Historic claims experience

  • Cost benefit analysis

  • Normal/prudent insurance covers

  • Needs to be structured to accommodate future changes in risk profile

  • Is tailored to cover specific and evolving risks

As the liaison between the client and insurance companies, Certus will be a 1-to-1 partner to its clients for all insurance matters towards the insurance companies.

Regarding Certus’ approach towards the insurance companies, our primary goal is to negotiate and obtain the best insurance conditions possible. Our secondary goal will be to negotiate and obtain the best possible premium rate.

Based on possible changes within the insurance in general or changes within a specific client’s business, it could very well be that within the insured period, Certus can have the policy changed to the benefit of the client. This means that we do not have to wait until the renewal date of the policy for beneficial changes to take effect.

Based on her experience and the conclusions of her risk assessment of (potential) clients, Certus has the ability to examine and advice on the existing program for a new or revised program by which if necessary, there can be a change of coverage, value added solutions, program design solutions, cost prevention actions and inspection services.

In the event of a claim, Certus will also advise clients to take all possible actions in order to minimize the claim.