A fast growing logistics company in Singapore faced a challenge common in the sector, expanding operations, rising risk exposure and a patchwork of insurance policies accumulated over several years. Without a centralised structure, senior management struggled to understand what was covered, where gaps existed and why claims were frequently delayed. Partnering with pcmi insurance brokers became the turning point that aligned their protection with real operational risks while also streamlining the claims process.
This scenario based case study shows how pcmi insurance brokers audited the company’s risks, redesigned its corporate insurance programme and implemented a claims support framework that reduced administrative bottlenecks for both management and the operations team.
The problem before PCMI insurance brokers stepped in
The logistics firm operated warehouses, delivery fleets and cross border cargo movements. Despite this, their policies were sourced from different agents, with unclear exclusions and no coordinated oversight. Problems they faced included:
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Overlapping coverage in some areas and dangerous gaps in others
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Fleet accidents resulting in slow or disputed claims
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Warehouse incidents not fully covered due to outdated sums insured
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Rising premiums without visibility on negotiation options
The leadership team realised they needed a licensed partner with expertise in corporate insurance and claims management, which led them to pcmi insurance brokers.
Step 1: Comprehensive audit and gap identification
The first action taken by pcmi insurance brokers was a full audit of all corporate policies. This meant assessing warehouse values, fleet size, cargo routes, contractual liabilities and staff requirements.
The review uncovered:
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Insufficient work injury coverage for newly hired warehouse staff
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Property limits that no longer reflected expanded warehousing capacity
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Motor policies for delivery vehicles that lacked key extensions
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Cargo policies with unclear territorial clauses
Through PCMI’s structured approach within Corporate Insurance, management saw clearly where coverage needed restructuring.
Step 2: Restructuring protection using multi insurer access
With findings in hand, pcmi insurance brokers compared coverage across multiple insurers and built a streamlined programme that aligned with day to day risks. The redesigned structure included:
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Updated warehouse and property protection with correct reinstatement values
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Motor and commercial fleet cover tailored to frequent delivery routes
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Cargo policies matched to new regional distribution channels
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Work injury solutions compliant with workforce growth
The company’s leadership appreciated that pcmi insurance brokers acted independently, selecting insurers based on suitability rather than being tied to a single provider.
Step 3: Transforming claims delays into a guided, proactive process
Before working with PCMI, the company faced repeated claim delays because documentation was incomplete, deadlines were missed or policy wordings were misunderstood. This changed with the introduction of PCMI’s claims support, coordinated through Insurance Claims Matters and reinforced by best practices shared via Insurance Claims Made Easy.
pcmi insurance brokers helped the client by:
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Creating a claims escalation guide for all departments
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Reviewing documents before submission to reduce insurer rejection risks
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Handling negotiations with insurers directly
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Providing regular updates to management
For the operations team, this meant less time dealing with paperwork and more time focused on running daily logistics activities.
Step 4: Ongoing advisory for expansion and risk evolution
As the company expanded into new warehousing and last mile delivery initiatives, pcmi insurance brokers continued to update risk assessments and adjust policies accordingly. This proactive advisory approach ensured the company stayed compliant and well protected without waiting for problems to arise first.
Leadership noted that having pcmi insurance brokers as a long term partner also made budgeting easier, because renewal cycles, price changes and risk exposures were explained well ahead of time.
Conclusion: PCMI insurance brokers turned complexity into clarity
This logistics company’s experience shows how pcmi insurance brokers provide value beyond quotations. By identifying coverage gaps, redesigning policies and setting up a structured claims framework, PCMI helped the business improve protection, reduce losses and streamline processes across all departments.
If your organisation is facing similar challenges and needs expert support from pcmi insurance brokers, you can contact PCMI for personalised advisory and claims assistance
