HARNESSInsurance Desk
An insurance team on call, for a fixed monthly fee.
Copy us on your correspondence with insurers and brokers. We reply with our advice within one business day, and at the end of each month you receive a report on every case, with our recommendations.
- Monthly fee
- From US$300, set by your annual premium
- Response
- Within one business day
- Reporting
- A monthly report on every case
- Term
- 3-month minimum, then monthly
What the desk does for you
Most organizations don't need a full-time insurance manager, but they do need one when a claim, a renewal or an endorsement lands. The desk gives you that expertise when you need it, at a predictable cost.
Advice on every case
We review what your insurer or broker sent and tell you what it means and what to do.
Draft replies
Where a response is needed, we draft it for you or your team to send.
Renewal calendar
We track every policy's expiry date and remind you well before each renewal.
Claims follow-up
We track escalated claims until they're settled, and flag anything that stalls.
Monthly report
Every case that month, what was decided, what's still open, and our recommendations.
Urgent claims
Same-business-day response on urgent claims for programs over US$1 million in annual premium.
How it works
You keep working with your current broker and insurers. We sit alongside you as your insurance desk.
Agree your plan
We set your monthly fee from your annual premium and confirm what's included, in a short agreement.
Copy us in
You get a dedicated address to copy or forward your correspondence with insurers and brokers.
We advise within one business day
For each case, we send our advice and, where needed, a draft reply for you to send.
Receive your monthly report
At month end, a report on every case, open items, and our recommendations for the month ahead.
Clear limits, no surprises
You know exactly what your monthly fee covers, and what anything extra costs, before you start.
- What counts as a case
- A case is one matter, such as a claim, an endorsement or a renewal question, however many emails it takes. A long thread with your broker is still one case.
- Cases included
- Your plan includes a set number of new cases each month, shown in the pricing table. Additional cases are US$65 each, or you can move up to the next plan. Unused cases don't carry over to the next month.
- Routine, high-volume items
- Minor motor claims, medical pre-approvals and adding or removing members or vehicles stay with your broker or claims administrator. We handle escalations and disputes, and analyse these lines in your monthly report. If you'd like us to handle routine items too, they're US$30 each.
- Response times
- We reply within one business day. Programs over US$1 million in annual premium get a same-business-day response on urgent claims.
- Our role
- We advise and draft; you stay in control. You or your team send the correspondence, and we don't place cover or negotiate on your behalf.
- Term
- A 3-month minimum, then month to month. Pay annually in advance and you get two months free.
Pricing
Your monthly fee is a share of your total annual insurance premium: 2% of the first US$500,000, 1% from US$500,000 to US$3 million, and 0.5% above that, with a minimum of US$300 a month.
| Total annual premium | Monthly fee | New cases included each month |
|---|---|---|
| US$100,000 | $300 | 5 |
| US$250,000 | $417 | 7 |
| US$500,000 | $833 | 13 |
| US$1 million | $1,250 | 20 |
| US$2 million | $2,083 | 33 |
| US$3 million | $2,917 | 47 |
| US$5 million | $3,750 | 60 |
- Additional cases: US$65 each. Routine high-volume items, if you'd like us to handle them: US$30 each.
- 3-month minimum, then month to month. Annual prepayment: two months free.
- Fees are in US dollars.
Request a proposal
Tell us about your insurance program. We'll email you a proposal with your monthly fee and a short agreement to review before anything starts.
What happens next
- We review your details and email your proposal
- You review and sign the agreement, including confidentiality terms
- We set up your dedicated address and renewal calendar
- You start copying us in
Want a full picture of your program first? Start with a Coverage Evaluation.
Your details
Request received
Thank you
We couldn't pass your details to our team automatically. Please email contact@harnessriskpartners.com with your company name and annual premium so we can prepare your proposal.
Questions
Does this replace our broker?
No. You keep your broker and insurers. We work alongside them as your independent insurance desk, so you have an expert on your side of every conversation.
Can we forward emails automatically?
Yes, if your email system allows it. Many organizations block automatic forwarding to outside addresses, so copying us in (CC) on the relevant threads works just as well.
How is our information protected?
Before we start, we sign an agreement that includes confidentiality and data protection terms. Your correspondence is used only to provide the service and is seen only by the team working on your account.
What if we have a lot of motor or medical activity?
Routine, high-volume items stay with your broker or claims administrator, so they don't use up your plan. We step in on escalations and disputes and analyse these lines in your monthly report. If you'd like us to handle routine items as well, they're US$30 each.
What happens if we go over our included cases?
Additional cases are US$65 each, and we'll tell you before you reach your limit. If you regularly need more, moving up a plan usually works out cheaper.
Can we cancel?
After the 3-month minimum, the service runs month to month and you can stop with notice before your next billing date.