Inser for Public Entities: customized services and comprehensive support for risk management

Inser Spa stands out for its unique competence in the insurance sector, especially in the context of Public Entities.

With an in-depth knowledge of the insurance markets, both Italian and international, Inser offers a range of services dedicated to Public Administration, including local authorities, public companies and multiutilities. The working methodology is based on a careful analysis of the customer’s insurance history, integrating a constant monitoring of statistics with an in-depth analysis of the most relevant and complex claims. An innovative approach to risk managementThe proposal of Inser Spa is divided into a series of services that cover every aspect of the insurance process:1. Risk analysis and assessment: close cooperation with the institution to identify specific insurance needs;2. Technical and economic analysis: verification of existing insurance cover and benchmarking;3. Definition of the insurance programme: tailor-made strategies to improve and update insurance contracts;4. Policy management: selection of insurance companies and technical and administrative management;5. Assistance in the tender of policies: complete support in the preparation of documents and in the evaluation of offers;6. Claims Management: assistance from reporting to damage settlement, with an integrated approach;7. Legal advice: availability of internal lawyers to provide insurance legal advice;8. Expert advice to protect the Authority: services dedicated to the field of procurement. Optimisation of self protection clauses in public works contractsThe realization of public works introduces a series of distinct risks, manifested at various stages of the project, including damage during the execution and post-execution of the work, as well as damage to third parties. These risks can have significant repercussions on the client, threatening the financial integrity and image of the Public Administration. Although the Code of Public Contracts provides for a set of safeguards to protect the procuring entity, the ineffective use of such tools may compromise their protective effectiveness.In this context, Inser Spa has developed an advanced model of advice and support, starting from the analysis of the specific risks of the work, to adequately elaborate the clauses of self-protection. This approach focuses particularly on the scope of CAR (Construction All Risks) and POSTUMA policies, detailing:For the CAR Policy:- Damage to the work: specifying sums/ceilings for direct damage, for pre-existing works, and for demolition and clearance costs.- Liability Damage Section: Introducing specific derogations to overcome standard limitations, adapting coverage to the specific needs of the project.For the POSTUMA Policy:- Section damages to the work and to third parties for civil liability: defining specific sums/ceilings and personalized derogations that reflect the peculiarities of the work, going beyond the norms generally recalled in the technical specifications.This method allows to draw up clear and highly protective technical specifications for the contracting entity, minimizing disputes during the award and signature of the contract, and above all, protecting the client from any possible adverse event, mitigating the risk associated with the implementation of the public work. A reliable partner for the safety of public authoritiesThrough a personalized and technically advanced approach, Inser Spa is confirmed as a strategic partner for public authorities, ensuring maximum protection and optimal risk management. The combination of technical skills, experience in the sector and scrupulous attention to the specifics of each customer makes our company the ideal choice for Public Entities looking for reliable and innovative insurance solutions.