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Description

Commercial Multi-Risk Insurance: Analysing Risk, Structuring Cover and Advising Clients

Build a multi-risk offer that genuinely protects the insured business owner's operations and assets

  • 2 days — 14 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

A commercial multi-risk policy signed without a serious analysis of the business always shows its weaknesses at claim stage: undervalued sums insured, poorly declared stock, an ancillary activity never mentioned, business interruption cover estimated by guesswork. The client then discovers the limits of the contract and turns to whoever sold it.

Two days focused on property damage and business interruption cover for commercial clients: analysing the activity, sizing the sums insured, explaining exclusions and documenting the advice given. Liability cover is addressed in a separate programme in our catalogue.

Learning objectives

  • Analyse the client's activity and its real exposures
  • Size the sums insured and the covers of the policy
  • Explain exclusions and cover conditions to the client
  • Propose business interruption cover consistent with the activity
  • Document the advisory process in the underwriting file

What makes this programme different

Risks are analysed through reconstructed site visits to commercial premises
Business interruption calculations are practised on simplified financial statements
Each participant builds a tailored fact-find questionnaire

Programme

1Analysing Commercial Risk

Understanding the activity before covering it

  • Conduct a structured fact-find on the activity and the premises
  • Identify ancillary and seasonal activities
  • Identify fire, water damage and theft exposures
  • Assess dependence on equipment and suppliers

2Property Damage Covers

Setting the right sums insured

  • Distinguish between buildings, contents and stock
  • Choose between reinstatement value and indemnity value
  • Anticipate the effects of under-declared sums insured
  • Adapt covers to sensitive equipment and stock levels

3Business Interruption

Protecting the survival of the business

  • Explain how the cover works and the indemnity period
  • Identify the gross profit to be insured in the accounts
  • Handle increased cost of working
  • Spot supplier and customer dependency exposures

4Underwriting, Advice and Policy Servicing

Securing the relationship over time

  • Complete the risk questionnaire and understand its consequences
  • Document the advice given and the covers set aside
  • Manage increased exposures and changes of activity
  • Prepare the annual policy review meeting

Who is it for

Business banking relationship managers · branch advisers · brokers · underwriters and commercial policy administrators.

Prerequisites

Working in the underwriting or administration of property insurance contracts.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.