Where the same type of risk appears repeatedly, a scheme or programme discussion may be more useful than placing each enquiry as a separate one-off policy. The first step is proving that the opportunity is coherent and underwritable.
Scheme and programme insurance review for affinity groups, repeat risks, portfolios, MGAs, trade bodies and businesses with recurring specialist insurance demand.
Insure24 can help prepare the underwriting story, but cover and terms always depend on the risk details, disclosure, wording, controls and available market appetite.
A programme is strongest when the risks are similar enough to underwrite consistently and the distribution process can control quality.
Markets need to understand the commercial opportunity and the controls around it.
Scheme insurance usually refers to a structured insurance arrangement for a defined group of similar risks, often using agreed underwriting rules and distribution controls.
No. A programme usually considers a portfolio or repeat flow of risks rather than one standalone business policy.
Volumes, claims history, customer profile, current premium, distribution process, eligibility criteria and administration controls are all useful.
Share the activity, cover needed, claims history, contract requirements and any previous market feedback so the enquiry can be triaged properly before approach.
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