An oyster answers a grain of sand with nacre. We answer risk with a programme.
Scroll and the layers build. Every one is a line Pearl Insurance Brokers places for corporate clients, grouped the way an underwriter reads a company: people, assets, movement, liability, projects, credit.
The grain
Every programme starts with an irritant: the exposure a company cannot retain. Pearl's first job is to find it, measure it and decide how much of it should be transferred at all.
- Risk evaluation and retention studyScope
- Programme designScope
- Market selection, A-rated securityScope
People
The workforce is the first thing an underwriter prices and the first thing the Labour Law requires. Medical is mandatory; the rest is what separates an employer people stay with.
- Medical expenses, personal and corporateMandatory
- Group lifeBenefit
- Personal accidentBenefit
- Workmen's compensation / employer's liabilityLabour Law
Assets
Buildings, plant, stock, cash in the safe and the honesty of the people who hold the keys. Insured at reinstatement value, not what the balance sheet says.
- Property all risksCore
- Machinery all risksCore
- MoneyCore
- Fidelity guaranteeCore
Movement
Pearl's managing director ran a marine cargo and hull desk in Kuwait in 1961. Sixty-five years later the line is still the one this firm reads best.
- Marine cargoTrade
- Marine hullTrade
- MotorFleet
- TravelStaff
Liability and projects
What you owe others, what you promised the client, and the contract works that exist only until handover. The layers that need the wording read, not just the premium compared.
- Public and third-party liabilityLiability
- Professional indemnityLiability
- Engineering: erection and construction all risksProject
Credit
Receivables, political risk, sovereign risk, lender solutions. Pearl's trade-credit practice represents the major credit underwriters and turns open terms into a balance-sheet asset.
- Trade credit insuranceReceivables
- Political riskCountry
- Lender solutionsStructured
Sixteen layers. One pearl. Tendered, placed, serviced, at no cost to the client.
