Contega

How we work

From review to renewal.

A clear method runs from the first conversation through to every renewal. Each step builds on the last, so every decision in your program can be traced back to what we learned about your business.

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Photographs of Contega advice in action, rotating

Understanding comes first

Before we design anything, we take the time to understand your business.

We work through how your organisation operates and test what that means for its exposures. That work, Observe and Analyse, shapes everything that follows. See how it applies to real estate agencies and franchise groups and corporate organisations.

  1. Observe

    We get to know your business in depth, and what it relies on.

  2. Analyse

    We examine the risks and work through what they mean for you.

  3. Protect

    We build the solution, then place it.

    Protection is more than finding a policy. Six steps sit behind it.

    1. Design the program.

      We set the structure, limits, retentions and wording to suit your operations, contracts and appetite for risk, and develop alternative structures so you can compare real options.

    2. Agree how the options will be judged.

      Before we approach the market, we agree with you what matters most and how much weight each consideration carries, using the Contega Scorecard.

    3. Choose the market.

      We select insurers by weighing your risk profile and the risk being transferred, where your business is today and where it is likely to be in two to three years, the priorities set on the Contega Scorecard, and current and expected market conditions over the same period.

    4. Present the risk.

      We present your business to insurers clearly and completely, so they price what you actually are, not what a form implies.

    5. Negotiate and place.

      We negotiate the wording and structure as well as the price, working towards the cost objectives agreed at the outset. We then take you through the outcome against the Contega Scorecard, with a clear recommendation.

    6. Check the detail.

      Before you rely on the program, we carry out a detailed check of all final documents against what was agreed.

    You receive

    A program that fits the business, with the reasoning behind each decision made clear to you and your team.

  4. Stay alongside

    We stay close once the program is in place.

    Your risk profile will not look the same at the next renewal as it does today. People, contracts, assets and markets all move, so we stay in regular contact and shape our service around what your business needs, not a fixed calendar.

    • One point of contact. A senior adviser who knows your business is your route into everything we do, from technical advice to claims.
    • Advice that continues. We keep advising on program design and scope of cover as your business changes, not only when a policy is due.
    • A service agreed up front. We set out what we will provide and when, and review it with you.
    • Regular conversations. We talk through your program with you, and about any change in your business that affects it.
    • Your insurance information, in order. We issue and keep your policy documents and certificates of currency organised, so you have what you need when a lender, landlord or counterparty asks.
    • Contract and risk reviews. Where your contracts or risk practices affect your program, we review them with you.
    • Market insight. We keep you informed of insurance market conditions that bear on your program, ahead of renewal, not after.
    • A prompt response. Questions and changes are handled quickly, so the program never falls behind the business.

    Claims

    When a claim is made, the same team stays with you.

    Our in-house claims team manages the process with you from notification through to outcome, and advocates on your behalf with the insurer. You are not handed to a stranger at the point you most need continuity.

    Renewal

    A planned renewal.

    We agree the renewal timetable with you well ahead of the date. Then we start again from what has changed in your business, and the cycle begins with Observe.

What you can expect

  • Reasoning you can see.

    Every recommendation comes with the reasoning behind it, so you can see what is covered, what is not and why.

  • Senior advisers, team-supported.

    A senior adviser leads your program, with a dedicated team behind them.

  • Plain language.

    Complex wordings are explained, so you know what you are buying.

  • Technology that supports, people who decide.

    Data and intelligent tools sharpen our view of your risk and improve your reporting. Experienced people make the judgement calls, and explain them.

Talk to us

Let’s start with what matters.

Tell us about your organisation, your current program or an upcoming renewal. We will tell you what we see and how we would approach it.

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Contact details

Sydney
Level 9, 32 York Street
Sydney NSW 2000
Melbourne
489–505 Toorak Road
Toorak VIC 3142

A Cohabit Group company

Contega is the commercial risk advisory business within the Cohabit Group, a risk intelligence company built around clearer data, better decisions and smarter insurance outcomes.

Visit cohabit.com.au