A construction company's risk map is never a single policy: there's the project (CAR/EAR), the company's liability, the machinery fleet, the vehicles, the premises, the team – and legal disputes. If these are arranged one by one, at different times, with different logic, the outcome is typically the same: overlaps here, gaps there, and nobody sees the whole picture. The portfolio approach turns this around.
- A company's risks form a system – its covers need to form a system too.
- The advantage of the portfolio view: gaps at the boundary between genres and overlaps become visible in time, and everything can be reviewed together at every renewal.
- The six typical layers: project, liability, machinery, fleet, premises, team.
- The full company picture is the territory of the vallalkozas.biz hub site.
The six layers
Project: CAR/EAR individually or under an annual open cover – protecting the works under construction. Liability: the company's general business and professional liability insurance, for every job: its relationship with the CAR is here. Machinery: machinery breakdown insurance for the permanent fleet: the machinery article. Fleet: the vehicles' compulsory cover and casco – the world of flotta.biz. Premises: property insurance for your own office, warehouse, yard – the territory of vagyon.biz. Team: group accident insurance for the workers: the accident article.
Why is it better to look at it as a whole?
Three practical reasons. The gaps disappear: risks sitting on the boundary between genres (machinery during a break in the project, a maintenance-period callback, a rented item) are only visible once someone looks at the whole picture. Duplication ends: paying for the same risk under two policies is wasteful – and creates extra complication at claim time too. Renewal gets simpler: one calendar, one review cycle, one negotiating position – a client standing on several legs is also in a better position when tendering.
How is it built up?
Not all at once, and not by force: portfolio arrangement typically happens layer by layer, fitted around the current renewal dates. The first step is a map: what exists now, what expires when, where the obvious gaps are (typically: the machinery layer, maintenance-period questions, team protection). The review logic sets the rhythm for the map – and the full company view continues on the vallalkozas.biz hub site.
The broker's role in this
Portfolio work is exactly what an independent broker is for: bringing every layer together from several insurers' quotes, in one hand, tuned to each other. The client gets one point of contact, the system gets one person responsible for it – while the decision, layer by layer, still stays with the client. The first mapping conversation is free of charge: book a time.
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