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Successful insurance work is visible when analysis changes a decision, wording performs under pressure and stakeholders know what to do. The following two client cases show different loss pathways within Political Risk and how Kompetenz Insurance Broker connected operational facts, financial consequences, market negotiation and claims preparation.
Civil disturbance restricted access to a project, delayed contractors and threatened revenue even where major physical damage had not occurred.
Kompetenz separated political-violence damage from non-damage interruption, reviewed security and evacuation plans, and negotiated access and waiting-period provisions.
The project obtained a clearer combination of property, political violence and interruption protection aligned with lender requirements.
Lawful contract payments accumulated locally after new transfer restrictions prevented conversion and remittance.
Kompetenz mapped cash flows, contract obligations and banking routes, then structured currency-inconvertibility and contract-frustration protection.
Treasury gained defined reporting triggers, evidence requirements and a financeable response to trapped funds and debt-service pressure.
The cases began with different events, but both exposed the same structural issue: insurance information had been organised by policy or department rather than by the sequence of a loss. For Political Risk, political change can damage assets, prevent access, interrupt revenue, trap lawful funds, delay debt service and undermine the contractual assumptions on which a project was financed. Kompetenz therefore reconstructed each pathway from trigger to operational response, financial impact, policy clause and proof requirement. That approach allowed management to distinguish an urgent wording gap from an operational control that could be improved without buying additional insurance.
The market submission also changed. Instead of presenting a list of activities and requesting the broadest available terms, it explained the scenario, credible severity and risk controls in a way underwriters could assess. The evidence included country-by-country asset schedules, contracts, licences, revenue flows, financing terms, security plans, counterparties, evacuation protocols and payment routes. This improved the quality of insurer questions and made competing quotations easier to compare because every insurer was asked to address the same decision points.
Identify assets, contracts, revenue and personnel by territory. In both cases, the workstream had a named owner, evidence source, negotiation objective and claims consequence.
Separate violence, government action and payment risks. In both cases, the workstream had a named owner, evidence source, negotiation objective and claims consequence.
Coordinate property, construction, marine and credit wording. In both cases, the workstream had a named owner, evidence source, negotiation objective and claims consequence.
Set reporting, security, evacuation and claims documentation plans. In both cases, the workstream had a named owner, evidence source, negotiation objective and claims consequence.
Management treated insurance as part of operational resilience and financing rather than an annual purchasing exercise. project leadership, treasury, legal, security, lenders, government-relations teams and local operations were assigned defined responsibilities. The programme documented notification authority, consent requirements, expert contacts and the records needed to demonstrate loss. Residual risk was recorded explicitly, so that a limit, sublimit or exclusion was not mistaken for a control.
The wording review concentrated on definitions of terrorism and political violence, deprivation periods, expropriation triggers, currency inconvertibility, contract frustration, waiting periods and interaction with property cover. Those mechanics determine whether an insurer can respond quickly, how costs are allocated and which evidence must be produced. Kompetenz prioritised the clauses with the greatest financial effect and preserved the reasoning behind accepted compromises for renewal and claims use.
The case method is repeatable: define the operating context, build two severe but credible scenarios, quantify the financial pathway, test the current wording, negotiate the priority improvements and rehearse notification and evidence collection. Kompetenz Insurance Broker coordinates these steps so that the client receives more than a policy document—a programme that management can explain and a claims route that teams can execute.
