Property all risksCovered. Sub-limit and deductible printed beside the clause.
Business interruptionMissing. Why it matters is printed underneath.
Group medicalCovered, below market benchmark on out-patient limits.
!
Motor fleetRenewal in 42 days, flagged on the cover page.
Annual premium todayEGP 15,637
Our proposalEGP 14,073
Priced 10% below on eligible lines · sum insured never discounted
What it’s worth to you
Put your own numbers in.
Assumes a careful expert read of about 5 minutes per page (schedule, extensions, exclusions and conditions), repeated at every renewal. The 10% saving applies to eligible lines only; medical is priced on headcount and network tier.
Expert reading time you skip
50hours
That’s about 6 working days, every renewal, back for your finance and HR teams.
Premium you could save each year
EGP 300,000
Same cover, same sums insured, 10% less on eligible lines.
Put the saving to work, at no extra budget
For your company
Close the gaps we find: business interruption, electronic equipment, liability, terrorism.
Policies run to hundreds of pages. The exclusions and extensions that decide a claim sit deep in the wording. Checking them took a broker days per client, so most companies simply renewed.
With Policy Screening
Every page of every policy is read against the same locked checklist, in a fraction of the time. Every finding carries its evidence. A named broker signs it. Management finally sees cost and cover side by side.
Your answer
One of three verdicts, with the proof.
Overpaying
You pay more than the market for the cover you have. We show where, and propose the same protection for less.
Under-covered
Essential cover is missing or limited. Each gap is stated in words, with why it matters, before a claim finds it.
Right where you should be
Your programme matches best practice. You get the evidence to show your board and your auditor.
What you receive
One print-ready report. Three clear parts.
1
What you hold
Every coverage you have, with the sub-limit and deductible printed beside it.
2
What you’re missing
Each gap on the row it belongs to, with why it matters underneath.
3
What we propose
A comparative recommendation, cost versus cover, priced 10% below what you pay today on eligible lines. The sum insured is never discounted.
Every tick carries its evidence: the clause, the sub-limit, the deductible it was read from. Policies expiring within 60 days are named on the cover page.
Real example · client and insurer anonymised
This is a real screening report.
A 13-page office policy in Arabic, screened and written up exactly as a client receives it. Every finding quotes the clause it was read from.
Written notice and a police report; claim documents within 15 days.
Condition 004«إخطار الشركة خلال 24 ساعة بالحادث كتابة»
Sum insured = market value
Keep the sum insured at market value all year, or a claim can be reduced.
Condition 004«مراعاة أن يكون مبلغ التأمين مساويا للقيمة السوقية»
Fire equipment maintained
Extinguishers and protection must be in working order and serviced.
Clause 032«توفير أجهزة إطفاء ووسائل وقاية … وأن تكون صالحة الاستخدام»
Pandemic closure excluded
Losses and closure costs from a communicable disease are excluded.
Clause 027«استثناء … الخسائر الناشئة عن تفشي عدوى و/أو الأمراض المعدية»
What we propose
Priority
Add
Why
Price
High
Terrorism & sabotage extension
Closes the clause 028 exclusion
On request
High
Electronic equipment
Names IT hardware as insured items
On request
High
Business interruption
Pays rent, salaries and lost income after a covered loss
On request
High
Public liability
Visitors and neighbours
On request
Medium
Fidelity guarantee
Theft by employees
On request
Medium
Money in safe & in transit
Cash and cheques beyond the 10% cap
On request
Same cover todayEGP 4,620
Same cover via HadbrokEGP 4,158
SavingEGP 462 / year
Screening is based on the documents provided and may be subject to errors and omissions. The 10% saving applies to eligible lines; taxes and fees are recalculated on issue. Claims history is not part of the screening. Coverage relevance is an exposure-based classification, not a legal opinion.
Reviewed and signed byNamed Hadbrok broker · signature on the final report
Reviewed
Hadbrok Insurance Brokers S.A.E · FRA licence No. 17 · Sample report, client and insurer anonymised3 / 3
Schedules and full wordings, in Arabic or English. One policy or your whole portfolio.
2
AI reads every page
Each policy is read against the locked checklist for its line of business.
3
Benchmarked against the market
Cost is compared with cover, line by line, using market best practice.
4
A named broker checks and signs
Anything the AI is unsure of goes to a person. Nothing reaches you unsigned.
5
You get one report
What you hold, what you’re missing and what we propose, ready to print for management.
What we screen
17 lines of business, including:
General insurance
Property all risks & fire
Business interruption
Engineering & contractors’ all risks
Electronic equipment
Marine cargo
Motor fleet
Liability
Money & fidelity
Employee benefits
Group medical
Group life
Personal accident
Travel
Where a gap needs cover abroad, we place it through the Brokerslink network in 133 countries.
Private · Confidential · Secure
Your policies stay yours.
Encrypted transfer
Files are sent over a secure, encrypted (HTTPS) connection.
Straight to our team
Documents go to Hadbrok’s broker team and are kept in our secure document storage, not on this website.
Used only for your screening
Processed in line with Egypt’s Personal Data Protection Law No. 151 of 2020.
Confidential
Seen only by your named Hadbrok broker. Never shared without your written approval.
Start now
Upload your policies.
Send one policy and we’ll screen it free, or send your whole portfolio. Your named broker will confirm receipt and the next steps.
PDF, JPG, PNG or WebP
Up to 20 documents, 15 MB each
Arabic and English both fine
Schedules and full wordings give the best result
Is my first screening free?
Yes. Send one policy and we screen it free. If you want the whole portfolio screened, your named broker confirms the scope with you first.
How long does it take?
Days, not weeks. Your broker confirms receipt and gives you a date when the documents arrive.
Which documents should I send?
The policy schedule and the full wording. Endorsements help too. Arabic and English are both fine.
Who sees my documents?
Your named Hadbrok broker, the screening team and the AI service that reads the pages for us. Documents are used only for your screening, in line with Law No. 151 of 2020. How we handle your documents.
Upload your policies on our secure page. You sign in with a code we email you, and a named broker reviews everything before you see the report.
Screening is based on the documents provided and may be subject to errors and omissions. The 10% saving applies to eligible lines; medical is priced on headcount and network tier and carries across unchanged; globally placed covers are excluded. Currencies are never converted; totals print per currency. “N/A” means a figure was never read, never zero. Claims history is not part of the screening. Coverage relevance is graded from your stated exposures; it is an exposure-based classification, not a legal opinion.
