UC-186
Insurance Programme Consolidation
Merges two insurance programmes, finds overlaps and coverage gaps on the combined asset base and prices the consolidation.
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The Challenge
Two inherited insurance programmes overlap in places and leave gaps in others, priced for companies that no longer exist. Nobody reads every policy against the combined risk.
How It Works
- Ingests policies, schedules and claims history from both programmes.
- Extracts coverage terms and maps them against the combined asset and risk base.
- Reports overlaps, gaps and a consolidation plan for renewal.
What It Removes
- Overlapping premiums paid twice
- Coverage gaps on combined assets
- Policies read one by one at renewal
Input Data RequirementsInsurance policies and schedules, asset registers, claims history, risk assessments
Output FormatCoverage overlap/gap map, consolidation and renewal plan
“One programme, priced for the company we actually are - no double premiums, no bare spots.”