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Our Process

Our Process

A strategic, advisory-led approach to business protection.

At Tank Insurance, we view insurance through a corporate advisory lens. Whether you are a fintech startup, a property portfolio manager, a consulting firm, or a trade business, generic off-the-shelf policies often leave gaps in critical coverage.We are sector-agnostic because our process is universal: we identify the risk, build the brief, and leverage the market to secure your balance sheet. Here is how we move you from "exposed" to "protected."

Step 1

Discovery and risk profiling

We do not rely on automated algorithms to guess your risk. It starts with a conversation. When you enquire, we arrange a consultation to unpack how your business operates.

For standard SMEs: we gather core metrics such as turnover, staff numbers, key assets, and any existing contracts or lease obligations.

For complex or high hazard risks: we take a deeper dive, usually 15 minutes or more, to understand the nuances that standard insurers might miss.

Step 2

The market brief

Before we approach a single insurer, we translate your business activities into a structured market brief. This is a professional presentation of your risk profile designed to appeal to underwriters.

We define your exposures, highlight your risk management protocols, and ensure proper industry classification.

Step 3

Market scan and placement strategy

We scan the broader market, not just one insurer.

Major insurers: standard, cost-effective coverage.

Underwriting agencies: niche and complex risks such as ISR, PI, specialised property or strata placements.

We handle all underwriter feedback and only return to you when essential.

Step 4

Recommendation and tailoring

We do not simply forward quotes. We provide a clear, considered recommendation explaining the reasoning behind the insurer selection.

We outline optimal limits based on turnover, assets, and contractual obligations, and highlight key exclusions.

Step 5

Implementation

Upon approval, we bind the coverage, issue certificates, and ensure all documents meet contractual and compliance requirements.

Step 6

Ongoing stewardship

We support mid-term adjustments as your business grows, and re-market your program at renewal to maintain competitive coverage.

Step 7

Claims advocacy

When a claim occurs, you contact us — not a call centre. We manage the entire process end-to-end until resolution.

Case in point: the 24 hour settlement

When a storm caused a power outage for a commercial butcher just before Christmas, tens of thousands of dollars in stock were lost overnight.

Because they followed our process, we lodged the claim immediately, advocated for urgency, and secured a cash settlement within 24 hours.

Their Christmas trade continued and their cash flow was protected.

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