Reduce insurance costs: commercial and industrial policies
We analyse premiums, deductibles and terms and negotiate them. We do not broker insurance and do not replace specialist insurance advice – that remains with your broker or insurer.
Why premiums rise without the risk rising
- Policies grow historically; coverages and sums no longer match the risk.
- Premiums are increased across the board, without considering the claims history and risk quality.
- Multiple policies with multiple insurers, no bundled portfolio.
- Deductibles and modules have never been calculated commercially.
- Broker remuneration and scope of service are intransparent.
What we optimise in insurance
- Business and product liability
- Property and business interruption insurance
- Transport and goods insurance
- Fleet insurance (see also Fleet)
- Cyber, D&O and other specialty policies
- Broker remuneration and tendering of the broker mandate
Five levers for lower insurance costs
Review portfolio and coverages
Duplications, gaps and outdated sums insured become visible.
Align the premium with the claims history
A good claims history and good risk quality belong in the negotiation.
Calculate deductibles commercially
Higher deductibles only pay off if the premium saving carries the risk.
Survey the market
Several insurers in competition provide the basis for comparison.
Make broker remuneration transparent
Commission or fee, scope of service and responsibilities are clearly defined.
How your project works
Initial call and documents
You provide policies, premium invoices, claims history and broker agreements. Your effort: a few hours.
AI-supported analysis
We analyse contracts, volumes and prices and compare them against benchmarks.
Negotiation by experts
In coordination with you, we negotiate with insurers and brokers, as a commercial negotiation.
Implementation and control
The new terms are fixed contractually. We check that they actually reach your invoices.
You pay only a share of the savings realised – no fixed costs, cash-positive from day 1.
Results that add up
Across all categories we achieve an average of 25 % savings – in more than 1,100 successful negotiations. You will find examples from industry, consumer goods and private equity under Case Studies.
Who benefits from an insurance check
- Companies with a grown insurance portfolio
- Noticeably rising premiums
- Multiple policies with multiple insurers
- An upcoming main renewal date or tender
Only have a single contract? For contracts from around EUR 50,000 in volume you can start directly via our self-service renegotiate.io.
renegotiate.ioFrequently asked questions about insurance costs
Are you an insurance broker?
No. We do not broker insurance and do not provide specialist insurance advice. We analyse costs and terms and negotiate them.
Do we have to switch our broker?
No. On request we tender the broker mandate – the decision is yours.
Do we lose coverage when the premium drops?
No. The goal is a better ratio of premium to service. You decide on coverages with your broker or insurer.
What does the insurance check cost?
Nothing. Savify works 100 % success-based: we receive a share of the savings realised. If there are no savings, there are no costs for you.
Reduce insurance costs – start without risk
In a short initial call we clarify which contracts hold potential. Free and non-binding.
Request a free insurance check