For The Companies
Avail Fractional Services from Uniphoenix without incurring cost of full-time employees. The benefits of our Fractional Services are:
Cost-efficient access to seasoned professionals,
Scalable engagement based on business needs
Faster execution with experienced specialists
Strategic insights without long-term commitments
Ideal for early-stage growth or project-specific support
Additionally
Independent Insurance Policy Review
Insurable Risk Review
Peer Benchmarking
Fractional Insurance Manager
Access senior-level insurance expertise to manage risks, claims, policies, and broker coordination—without hiring in-house. Ideal for companies wanting robust insurance oversight while staying lean and cost-effective.
Insurance policy review and Insurable Risk review
An independent second opinion on your insurance program
Uniphoenix reviews what you already have — your policies, your exposures, and how your program compares to peers
Independent Insurance Policy Review
What it is: A line-by-line review of your current policy wordings — conducted by insurance professionals, not by the broker or insurer who sold you the policy.
What we look for:
Coverage gaps between policies (where two policies were meant to work together but don't)
Unintentional overlaps and duplicate coverage you may be paying twice for
Sub-limits, exclusions, and conditions that could surprise you at claim stage
Whether current limits are still adequate given how the business has grown or changed
Ambiguous or outdated wording that could be contested by an insurer at claim time
What you get: A clear, written gap analysis — not a sales pitch — flagging exactly where your program is strong, where it's exposed, and what to raise with your broker or insurer before your next renewal.
Insurable Risk Review
What it is: An assessment of the risks your business actually carries versus the risks your current insurance program is built around — including exposures that may not be insured at all.
What we look for:
Operational, contractual, and emerging risks that have developed since your program was last structured
Exposures that are commonly underinsured or overlooked for your industry and size
Risks currently retained (knowingly or not) that could reasonably be transferred
Contractual insurance requirements (from clients, landlords, lenders) you may not currently be meeting
What you get: A practical risk register mapped against your current coverage — a clear view of what's insured, what's retained, and what's simply exposed.
Peer Benchmarking
What it is: A comparison of your insurance program — limits, retentions, structure, and where available, pricing — against companies of similar size and sector.
What we look for:
Where your limits and retentions sit relative to comparable organizations
Program structures (e.g., primary/excess layering, captive use) common among your peers that you may not currently be using
Whether you're carrying materially more or less risk than comparable companies, and why
What you get: A benchmarking summary that gives your CFO, board, or risk committee an evidence-based answer to "are we appropriately insured for a company our size" — rather than a guess.
How it works
Share your program — send us your current policy documents (under NDA)
We review independently — our insurance professionals assess coverage, risk, and peer positioning; we don't loop in any broker or insurer during this stage
You get a written report — a plain-language summary of findings across all three areas, with clear priority flags
Optional walkthrough — a call to talk through findings and next steps, with no obligation to act on anything through us
Who this is for
Chief Financial Officers, Heads of Risk, General Counsel, and Company Secretaries at corporates who want an independent check on their insurance program — whether as part of routine governance, ahead of a renewal, after a change in the business, or simply because it's been a while since anyone outside the placing broker looked closely at the wording.
Why independent matters
We don't sell insurance and we don't earn commission on placement. That means our review has no incentive to recommend more cover than you need, favor one insurer over another, or avoid flagging a gap that a placing broker might prefer not to highlight. Our only interest is an accurate answer.
