Why the classic losses?
In 17 years I've learned what companies actually look for: not fashionable extras, but reliable protection against the losses that really occur – fire, storm, water damage from pipes, burglary. That's the focus of this site and of my work: the base cover should be strong and correctly sized, and the add-ons should be conscious choices, not padding. The detailed professional background is provided by the Insights library's 94 articles.
Three principles I stick to
1. At true value – or not at all
Underinsurance is the most expensive way to save money: it comes to light at claim time, and it leads to a pro-rata settlement. The first step is getting the values right – that's why. The same holds the other way round: it's a waste to pay for unnecessary overinsurance.
2. Competition, in a transparent table
I request offers from several insurers for the same risk, and hand them over in a single, clear table – with strengths, weaknesses, and the premium shown alongside the content. I don't "recommend" an insurer: I show you the content, like this – the decision is the client's.
3. I help where I can
In a routine claim, the insurer's claims line is the fastest route – I help you get started. But if the case stalls or becomes disputed, I step in as broker to help the company, where I can: that's my role.
What does this cost you?
I charge the client no fee for advice or my involvement – the broker's remuneration is paid by the insurer. That's how this market operates; my interest is a long-term, satisfied client relationship, not a one-off sale.
And what this site isn't
vagyon.biz is about the company's own property. Damage caused to others (liability insurance) is the territory of felelosseg.biz, residential home protection is lakas.biz, construction is epites.biz, and company vehicles are the territory of flotta.biz. The map of the company's whole insurance portfolio lives at vallalkozas.biz – and in the portfolio-perspective article.
