The first step is to accept the entrustment of the customer.
On the basis of mutual understanding and friendly negotiation, the customer hired Huaxin Insurance Broker Company as an insurance broker and signed a written authorization document.
The second step is risk investigation, assessment and analysis.
With the assistance of customers, collect relevant information of customers, including basic information of enterprises, property and equipment, insurance status, etc.
Collect insurance market information, including the rate level, underwriting capacity, solvency and service level of major local insurance companies;
At the request of customers, conduct risk investigation, risk identification, risk and insurance analysis according to the specific situation of customers.
The third step is to make a risk management report and insurance plan.
According to the customer's specific risk situation, the customer's management's decision on the specific risk tolerance and the personalized demand for risk management, we will submit a risk management report and a preliminary "tailor-made" insurance plan to the customer after communicating with the customer, including important information such as main types of insurance, additional types of insurance, special agreements and deductibles.
The fourth step is inquiry or bidding. After obtaining the written authorization from the customer, make an inquiry form according to the insurance plan confirmed by the customer;
Conduct competitive inquiry or bidding in the insurance market within a limited time by means of customer authorization.
The fifth step is to determine the insurance scheme and underwriting company.
In the process of inquiry, negotiate with the insurance company to make appropriate adjustments to the insurance plan;
According to the inquiry results, submit the inquiry analysis report to the customer, and initially determine the insurance company and the final insurance plan. If * * * insurance is adopted, determine the company and share of * * * insurance;
After reporting the inquiry results to the customer in detail, ask the customer to finally determine the insurance company and share it in writing;
If the project needs reinsurance, we will assist reinsurance in domestic and international markets. If the insurance company is responsible for arranging reinsurance, we will strictly control the rating and solvency of the reinsurance company to ensure that the reinsurance company that accepts reinsurance has outstanding reputation and sufficient solvency;
Step 6: Complete the insurance formalities.
We will assist customers to fulfill insurance procedures and arrange insurance companies to issue insurance policies;
Send the audited policy together with the policy summary, claim settlement procedure and service plan of Huaxin Company during the insurance period to customers;
Arrange customers to pay insurance premiums according to the requirements of the insurance policy.
Step 7: Carry out services during the subsequent insurance period.
Huaxin insurance brokerage company will be responsible for the daily consulting services of customers during the insurance period;
In the event of an accident that may fall within the scope of insurance liability, we will assist customers to collect claims information and help them handle claims;
Regularly review the implementation of insurance and risk management plans with customers and put forward suggestions for improvement;
Provide customers with disaster prevention and loss prevention services regularly;
Establish and accumulate risk management data for customers;
At the end of the insurance period, conduct risk assessment on the customer and issue a risk assessment report to provide reference suggestions for the renewal of insurance in the next year and renew the insurance according to the customer's decision.
Step 8: Data archiving
Huaxin Insurance Brokerage Co., Ltd. will establish a detailed database of customer risk management and compensation case files for each customer, so as to facilitate customers to inquire at any time.