A certain enterprise operates on a global scale and relies heavily on an international warehousing and logistics network. Due to the characteristics of its goods—high value, small volume, and centralized storage—risk exposure is highly concentrated. Historically, the company faced three major risk management challenges:

1.Fragmented Insurance Coverage:
A decentralized insurance structure resulted in inconsistent coverage across locations and potential protection gaps.
2.Low Administrative Efficiency:
Frequent additions and removals of operational sites led to time-consuming manual policy adjustments, increasing the risk of errors and omissions.
3.High Underwriting Barriers:
The specialized risk profile significantly reduced insurers’ willingness to underwrite the exposure.

Solution and Results
Upon engagement, our firm deployed professional engineers to conduct on-site loss control assessments, establishing a quantitative risk evaluation model and comprehensive risk management framework. This approach effectively addressed insurers’ underwriting concerns.
Ultimately, by implementing a Commercial Property All Risks policy in combination with Stock Throughput (STP) insurance, we successfully consolidated global asset protection under a unified insurance structure. This solution significantly improved administrative efficiency while establishing a robust and comprehensive risk transfer mechanism.