Building a corporate insurance programme is a strategic management exercise, not an administrative cost. In Angola, where the regulatory environment and risk profile have unique specificities, this design requires technical rigour and integrated vision.
1. Map real risk exposure
Before thinking about policies, think about risks. For each company, this means identifying four exposure families:
- Property risk — facilities, productive equipment, stock, fleet
- Operational risk — business interruption, supplier failure, logistics chain
- People risk — employee safety, workplace accidents, health
- Liability risk — damage to third parties, legal proceedings, professional errors
Without this diagnosis, any policy purchased is, at best, a guess.
2. Prioritise between mandatory, strategic and opportunistic
Not all insurance carries the same weight. We recommend structuring the programme in three layers:
- Mandatory layer — Workplace Accidents (General Labour Law), Motor Civil Liability for the fleet, sector-specific insurance required by regulators (ARSEG, ENH, BNA, as applicable)
- Strategic layer — Business Multirisk, General Civil Liability, Credit, Employee Health
- Opportunistic layer — Cyber, D&O for directors, travel, events
3. Centralise management with a single point of contact
Companies with insurance scattered across multiple insurers pay more, receive worse claims service and have no consolidated risk view. An independent broker centralises management, negotiates volume and is contractually bound to defend the client before the insurer.
4. Review annually — the programme is not static
Changes in activity, new contracts, geographic expansion, workforce changes: everything alters the risk profile. An annual review prevents insufficient (or redundant) coverage and renegotiates conditions based on claims history.
How HEXA supports this process
HEXA conducts free risk diagnostics, presents comparative proposals from the main insurers operating in Angola and remains the client's single point of contact — from issuance to claims settlement. Request a no-obligation analysis.