Insurance Advisory is a strategic service helping businesses and individuals manage insurance risks and select optimal insurance products. Unlike an insurance agent who sells a specific company's product, an independent legal advisor acts solely in the client's interest. In the healthcare sector, this is particularly relevant: clinics need liability, property, and personnel insurance, while large companies need group health insurance packages. Improperly selected insurance means unnecessary costs or vulnerability at a critical moment. This service ensures your insurance portfolio is cost-effective and covers real risks to the maximum extent.
Specialists on Legal.ge offer independent insurance consulting:
- Risk assessment: Analyzing the risk profile of a business or individual and defining necessary insurance types (e.g., professional liability, business interruption).
- Tender documentation preparation: Drafting insurance tender conditions for corporate clients to obtain the best market offer.
- Contract audit: Legal review of contracts proposed by insurance companies to identify hidden dangers.
- Negotiations with insurers: Negotiating on behalf of the client to improve policy terms (deductible, limit, exclusions).
- Insurance program management: Ongoing consultation during insurance events and the policy renewal process.
In practice, many companies buy a "standard" package that does not account for their specifics. For example, a surgical clinic and a dental office need completely different liability insurance. An advisor helps the client "tailor" the policy to their size. Also, it is common for a company to overpay for insurance because it does not utilize the competitive environment. A lawyer ensures tender transparency and achieving the best price/quality ratio.
In Georgia, the insurance market is quite concentrated, complicating choices. The Law "On Insurance" allows for contractual freedom, meaning policy terms are negotiable. A qualified advisor uses this freedom to the client's advantage to remove unfavorable clauses from the contract.
Working with a specialist begins with an audit of your needs. The lawyer reviews your existing policies and points out gaps (e.g., duplicate coverage or uncovered risks). Then they prepare recommendations and help you sign a new, improved contract.
Legal.ge is your objective advisor. We do not sell insurance; we sell the knowledge of how to buy insurance correctly. Our experts will save you money and give you peace of mind that your risks are truly insured.
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