Expertise

Insurance program

An insurance program is not just a set of contracts. It's a strategy.

At SATUM, we create insurance solutions as a functional whole that corresponds to the specific risk profile and needs of your business. We consider not only insurance products, but also real operational context, the company’s economic situation, and its strategic goals.

What our approach is based on

Strategy instead of chance

An insurance program is a managed process, not a one-time purchase of a policy. It is based on risk analysis and helps the company decide what makes sense to insure and why.

Tailored solutions

Every company is different. That’s why we design insurance programs individually – taking into account the specifics of the industry, size, operating mode, and development stage of the business.

Terms with added value

Thanks to our market experience and the strength of our portfolio, we obtain more favorable terms for clients: higher limits, fewer exclusions, flexible settings.

A program that evolves with you

Companies grow and change. That’s why the insurance program must also remain alive – we regularly update it according to changes in operations, risks, and legislation.

What you get as a client

The SATUM insurance program creates a stable framework for both protection and growth support.

Functional transfer of key risks to the insurance company without unnecessary costs

Insurance coverage aligned with your budget and operations

Negotiated terms with emphasis on what is truly important to you

Clear overview of insurance coverage including limits, exclusions, and claim scenarios

Lower risk of underinsurance, overlaps, or legal disputes

Ongoing care, reviews, and proposals for adjustments according to developments

How an insurance program is created

Systematically. Strategically. In context.

1

Strategic analysis of needs and risks

Based on the outputs from risk analysis, we determine which risks are efficient to transfer to the insurance company and which can be managed internally. We consider potential impacts as well as the budget and the company management’s approach to risk.

2

Proposal of coverage structure

We create an optimal combination of insurance products, limits, and agreements. We propose a structure that forms one interconnected system – not a collection of separate contracts.

3

Negotiation of insurance terms

Our market knowledge and long-term relationships with insurance companies enable us to secure better terms – not only in price, but mainly in scope, exclusions, limits, and speed of claim settlement.

4

Ongoing updates and optimization

We regularly review the insurance program. We respond to changes in operations, asset values, risks, and new legislative requirements. This keeps the coverage functional even in a dynamic environment.

What the SATUM insurance program brings you

Protection of investments and cash flow during unexpected events

Better decision-making about investments and expansion based on data

Savings through elimination of unnecessary overlap and duplication

Higher trust from insurance companies and better terms for claim settlement

Easy orientation in the scope of insurance protection even for laypeople

SATUM team for risk analysis

“In our team, we combine an analytical approach with practical experience from various industries. This allows us to design programs that make sense both operationally and financially – and truly protect what is essential for clients.”

Martin Slečka, DiS.

Manažer oddělení likvidace škod

Ing. Kateřina Ďurovičová

Director of Property Risk Department

Ing. Michal Vláčil

Risk Manager

A multidisciplinary team of analysts, insurance specialists, and industry experts works on creating insurance programs. Each member brings experience from different sectors – from industry and healthcare to the public sector, logistics, and agriculture.