Coverage review
Every quote side by side, every answer cited.
Add what each market sent back: the offer, the wording, the endorsements. Vantel answers every point for every insurer, side by side, with the page it came from, so you see the differences that matter and can show your client why.
Placement
Sample
Nordhaven
meets
10
of
10
firm asks
Writing the request
Answering against the ask
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Requirements
Geneva
14
Nordhaven
10
5
Lakeshore
8
7
Kestrel
5
9
Halberg
10
5
Premium
EUR 1.23m
EUR 1.06m
EUR 1.12m
EUR 0.98m
EUR 1.19m
Limit per occurrence
EUR 25m
EUR 25m
EUR 30m
EUR 25m
EUR 20m
EUR 25m
Annual aggregate
EUR 50m
EUR 50m
EUR 60m
EUR 25m
EUR 40m
EUR 50m
USA/Canada products
EUR 10m, defence inside
EUR 10m
EUR 12m
Excluded
EUR 5m
EUR 10m
Product recall
EUR 4m
EUR 4m
EUR 5m
EUR 2m
EUR 4m
EUR 4m
Defence costs
Outside the limit
Outside limit
Outside limit
Outside limit
Inside limit
Outside limit
Cyber write-back
Software malfunction
Included
Included
Excluded
Included
Included
Local policies
7 territories, DIC/DIL
7 of 7
7 of 7
5 of 7
3 of 7
6 of 7
Cyber write-back
Nordhaven Versicherung
Met
Included
Remote updates too
Explanation
Nordhaven keeps the cyber exclusion but writes back cover for injury and damage caused by the malfunction of control software or firmware in Brenner’s products. Unlike the expiring policy, it also applies after a remote update.
Sources (
2
)
Nordhaven_Bedingungen_2027.docx
p.
14
This exclusion does not apply to bodily injury or
property damage arising from the malfunction of
control software or firmware embedded in a Product
supplied by the Insured,
including where the
malfunction follows a remote update
.
Nordhaven_Angebot_Brenner.pdf
p.
3
Cyber exclusion with
write-back as per Endorsement
7
of the Nordhaven wording.
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Better comparisons
See the differences that matter.
Hours of reading become a grid you can work through in minutes, and every cell can be checked against its clause.
Read against the brief
Each answer is judged against what the client asked for: a tick when it is met, a cross when it is not.
One column per market
The quote, the wording, and the endorsements are read together as one offer, so an endorsement that changes the wording is not missed.
Green and red at a glance
Under each insurer, a bar shows how many answers are favourable, neutral, or unfavourable. Click the red part to list exactly the points to raise with the underwriter.
A summary first
Each market’s standout points sit above the grid, with a plus or a minus, so you have a first read before you work through the detail.
Any placement
Renewal, new business, or tender, the same review.
Renewals
The expiring policy becomes the yardstick. The red cells show where an offer falls short of what the client has today.
New business
No expiring policy? Vantel proposes the points on which the quotes differ, and the colours still show which offer is stronger on each.
Tenders
Replies in different formats, and different languages, end up as one comparison. A market that quotes options can be split into a column for each.
Your standards
Your checklist, as the starting point.
A scorecard is the list of questions every offer is checked against. Let Vantel propose it from the documents, review it, and save it as your firm’s standard for that line of business.
Requirements only
One item for every point in the client’s requirement documents. A strict check against the brief.
Requirements and premium
The same, with each market’s premium alongside.
Requirements and extras
Also picks up the points where the offers differ that the client did not ask about.
Suggested items only
Points of difference read from the offers alone, for when there is no brief.
Placement
Sample
Exported
Drafting from the policy
Export
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Brenner_Quote_Comparison.xlsx
G
N
L
K
H
Premium
Limit per occurrence
Annual aggregate
USA/Canada products
Product recall
Defence costs
Cyber write-back
Local policies
Basic Overview
Broker View
Extensive View
Executive Summary
KV
Katharina Vogt
Brenner Industrietechnik GmbH
·
10:02
RE: Brenner Industrietechnik, liability renewal 2027: our recommendation
Frank, this is excellent.
This is exactly the comparison I hoped for: every market, every requirement, checked against the wording. Our CFO signed it off in ten minutes.
Let’s go with Nordhaven. Can we bind?
Basic Overview goes to the client.
Broker View and Extensive View stay on your file.
Cover to request
General and products liability
Limit per occurrence
EUR 25m
From the policy
Keep what matters for this client, raise what you want more of, drop the rest.
Outstanding before this goes to market
Your decisions
Defence costs
Requested as a firm requirement but carries no value to be met
Still to obtain
Loss run
Carrier-issued loss history, normally three to five years
Normally rated on
Turnover split by activity and by territory
Whether any turnover derives from the USA or Canada
You can still generate the RFQ. Nothing here is filled in for you.
Export to Excel
The workbook goes out under your firm’s name. Check the outputs before you send it.
I have checked the outputs and I am ready to export
Cancel
Acknowledge and export
What the client receives
A clean workbook, in your client’s language.
Export the comparison as an Excel workbook under your firm’s name. Answers, the summary, and the export are written in the language you set, whatever language the wordings are in, and the sources stay in the original so every line can be checked.
Basic Overview, the page to show the client
Broker View, with the context behind each answer
Extensive View, for a point-by-point talk with an underwriter
Executive Summary, to adapt for your covering email
Questions brokers ask
