Risk

Risk

Entrepreneurship always involves uncertainties. The trick is to recognize risks in time, make them manageable and make conscious choices about what to cover and what not to cover. Within our Risk pillar, we support you in structurally identifying risks and developing a well-considered approach. This ranges from prevention and well-being at work to insurance and compliance. The result is more overview, more certainty and a solid basis for the continuity of your business.

1. Risk and prevention management at work

Do you employ one or more employees? Then you are legally obliged to pay attention to well-being, safety and prevention at work. How exactly you organize that depends on your sector, your activities and the specific risks within your company. We guide you in setting up and implementing a practical and workable prevention policy, tailored to your reality.

We start with a thorough risk analysis. During a site visit, we map out all existing risks together and test what is already in place today regarding prevention and protection at work. On this basis, we develop a global prevention plan and an annual action plan.

Our starting point is always the seven welfare domains:

  • occupational safety

  • health protection

  • psychosocial aspects

  • ergonomics

  • occupational hygiene

  • embellishment of workplaces

  • environment

A plan is only valuable if it is also implemented. When everyone in the company is involved, it leads to great results in both the short and long term. This is why we actively support you in the practical implementation of the actions from the prevention plan. With our knowledge of welfare legislation and our experience in the field, we guide you towards feasible solutions tailored to your organization.

2. Insurance Advisory

Insurance Audit

Every company runs risks, but not every risk needs to be insured automatically. An insurance audit therefore does not start from policies, but from your activities, structure and the concrete risks associated with them. This gives you an objective and realistic view of how well your insurances match the way your organization operates today.

During a thorough screening we collect all relevant information: from your activities and contractual agreements to your existing insurance policies. On this basis, we completely map out your insurance portfolio. You receive a clear report with attention to gaps, double coverage and optimizations, supplemented with concrete recommendations on prevention and risk management.

This approach has proven its value for years in a wide range of sectors. From large and medium-sized companies to doctors and management companies, but also for non-profit organizations and public sector organizations. When tendering , we also assist you in writing and comparing insurance contracts and in drafting the award report. If you are internationally active, you can count on continuous coordination and follow-up of your insurance program.

Where necessary, insurance contracts are also adjusted in terms of content. By adding specific clauses, you avoid unpleasant surprises in the general conditions and are correctly protected when it really matters.

An insurance audit pays off. Through conscious choices and targeted optimizations, you limit risks and can often save costs. Moreover, this service is recognized within the SME portfolio, so you can have part of the advice subsidized.

Insurance via Le Doux & Mortelmans

In addition to advice and audits, you can also come to us for the effective conclusion and management of insurance policies. We do this in collaboration with our colleagues at Le Doux & Mortelmans, a recognized insurance broker.

Whether it concerns:

  • your family and personal future;

  • your company and its continuity;

  • premium risks such as art, vintage cars, jewelry or exclusive collections;

You can count on personalized advice and solutions tailored to your life and ambitions. At Le Doux & Mortelmans, listening is key. From a relationship of trust, your risks are mapped out and translated into an insurance solution that grows with your situation.

3. Compliance Compass, the tool for insurance brokers

Do you operate as an insurance broker? Then you know that compliance is becoming increasingly complex. FSMA obligations, IDD training, internal procedures, privacy rules and controls require structured follow-up.

Compliance Compass is a digital compliance tool that helps you to:

  • manage obligations conveniently;

  • onboard employees correctly;

  • follow up on training and checks;

  • be demonstrably compliant at all times.

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Do you want to know more or need specialist advice? Don't hesitate to contact one of our specialists.

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Disclaimer
In our opinions, we rely on current legislation, interpretations and legal doctrine. This does not prevent the administration from disputing them or from changing existing interpretations.


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