Our Role & Responsibilities
These case studies demonstrate how A-Brokers adds value across complex insurance and reinsurance scenarios.
These are illustrative scenarios based on typical market experience. They do not represent specific client matters. Details have been generalised to demonstrate A-Brokers' approach.
Cyclone Damage to a Coastal Resort
A tropical cyclone caused extensive structural damage to a coastal resort property in Mauritius. In addition to direct property loss, the event triggered a three-month business interruption as guest operations were suspended during repair works. The insured held a combined Property & BI policy and needed to establish both damage quantum and the indemnity period.
- Immediate loss notification to the insurer within the required policy window
- Appointment and briefing of an independent loss adjuster and structural engineer
- Coverage analysis to confirm applicability of the Maximum Indemnity Period clause
- Preparation and submission of a detailed BI loss calculation with supporting accounts
- Negotiation on the indemnity period duration challenged by the insurer
Full property reinstatement costs agreed and BI indemnity settled in line with actual revenue loss. The client resumed operations within the anticipated timeline with settlement proceeds enabling uninterrupted repair works.
Large Industrial Risk — Facultative Placement
A local insurer held a large industrial property risk — a manufacturing facility with significant process machinery — where the sum insured exceeded the insurer's own retention capacity. The risk required facultative reinsurance support from overseas markets to provide sufficient cover. Standard market information was insufficient for technical underwriting.
- Prepared a structured facultative submission including engineering survey, process risk narrative and loss history
- Approached multiple reinsurance markets to achieve full capacity across the required layers
- Negotiated consistent coverage terms across all participating reinsurers
- Maintained alignment between the primary insurance policy wording and reinsurance terms
- Coordinated a mid-term claim notification with consistent reporting to all markets
Full facultative capacity placed with consistent terms. When a partial loss occurred, all reinsurers responded promptly, with settlement achieved efficiently across all layers with no coverage disputes.
Vessel Incident & Third-Party Cargo Damage
During port operations in Mauritius, a vessel sustained a manoeuvring incident causing contact damage to a third party's cargo consignment and minor structural damage to port infrastructure. The incident triggered potential liabilities under the vessel owner's P&I cover, with multiple parties — port authority, cargo receiver, and legal counsel — all requiring coordination.
- Immediate incident notification to the P&I Club and appointment of local correspondents
- Coordination of surveyor and legal counsel appointments for the vessel owner
- Compilation of incident reports, port authority records and cargo documentation
- Liaison between P&I Club, third-party cargo insurers and port authority throughout
- Support through the final settlement and security release for the vessel
The vessel was released from port security promptly. Third-party claims were resolved in an orderly and controlled manner. The client's P&I exposure was managed within expectations, with all stakeholders kept fully informed throughout.
Work With A-Brokers on Complex Risks
Our technical expertise across insurance, reinsurance, and claims advisory ensures your risks are managed with discipline and transparency.