What Really Matters
 

Broad Coverage

Clients that partner with AFM enjoy broad coverage that is designed to insure best-in-class properties.

Our engineering services help us identify best-in-class clients, then work with them to continue to improve their risk profile. We believe that better risks deserve better insurance programmes.

These programmes are built on the proVision policy platform that provides clients with:

proVision Essentials Training Summary

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Broker Client

01

Industry-specific coverage

Clients in different businesses have different exposures. AFM has developed specialised segment forms to meet the unique needs of each client.

Clients should have easy access to the coverage they need. That’s why AFM provides the proVision series to address the different exposures of Manufacturing, Education, Health Care, Real Estate and Retail business owners. Each is built on the comprehensive proVision platform and includes specific extensions of coverage and special terms and conditions that these types of clients need. This allows AFM to provide our broker partners and our clients with a seamless coverage offering that specifically addresses their exposures.

02

A comprehensive single blanket limit

By combining Real Property, Personal Property and Business Interruption values into a single limit, clients have maximum flexibility during catastrophic loss.

Single-limit coverage provides clients with greater flexibility. Let’s say there is a significant fire loss at a warehouse with reported inventory (personal property) values of US$25 million. Unfortunately, this fire occurred during peak inventory time and there was actually US$35 million in inventory at the time of the loss. If the client has separate limits for real property (RP) and personal property (PP) their PP loss may be limited to the reported US$25 million. However, if they have one single blanket limit, there is some buffer for the PP values to use the total limit of US$135 million.

In addition, AFM’s proVision policy gives coverage on a replacement-cost basis with no margin clause or coinsurance.

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