Value Added Services

At AIBL, risk management isn’t just about buying insurance — it’s about understanding, controlling, and preventing loss.
Our consulting division helps clients anticipate risks before they become claims, turning risk management into a strategic business advantage.

Risk Management Consulting

Structured evaluation identifying, quantifying, and prioritizing risks across:

  • Property exposures

  • Liability exposures

  • Human capital dependencies

  • Operational risks

  • Financial risks

Comprehensive risk audit

Control gap identification

  • Fire detection and suppression systems

  • Security infrastructure

  • Driver management programs

  • Food safety and quality control

  • Data security and IT disaster recovery

Insurance problem optimization

  • Asset revaluation preventing under-insurance

  • Coverage extension for new activities

  • Deductible optimization

  • Multi-year agreements locking favorable terms

Periodic review ensuring coverage evolves with business:

Deliverable: Risk register with prioritized recommendations for treatment.

Assessment of existing risk mitigation measures against industry standards:

Claim Management(DCSA)

  • 24/7 claims reporting hotline

  • On-site loss assessment within 24 hours

  • Emergency mitigation coordination

  • Preliminary loss quantification

a man riding a skateboard down the side of a ramp
a man riding a skateboard down the side of a ramp
Immediate Loss Response
Forensic Loss Documentation
  • Detailed loss circumstances narrative

  • Photographic evidence

  • Repair/replacement cost estimates

  • Business interruption calculations

  • Expert reports when needed

  • Coverage analysis

  • Valuation negotiation

  • Settlement strategy

  • Escalation when insurers resist

Proactive Claims Advocacy

21

92%

Average recovery rate (vs 70-75% industry)

Day average settlement (vs 18+ weeks industry)

95%

Settled without litigation

Technology Platform

Our proprietary AI-powered analytics platform provides:

  • Real-time risk exposure dashboards

  • Predictive modeling identifying emerging threats

  • Policy optimization scenarios

  • Claims progress tracking

  • Market benchmarking against peers