Suitability Criteria

Synergy MicroCaptive™ is based on the principle of shared responsibility for losses, and is primarily designed for companies who have:

• Good claims history over a five year period (typically less than 20% of premium)
• Sole tenure
• Good physical and perimeter security
• Pro-active attitude to risk control, actively involved and interested in the safety and training of it’s workforce, and maintenance of its buildings, plant and equipment
• Receptive to a realistic programme of risk management

Businesses that should be ideal for Synergy MicroCaptive would be as follows:

Offices (e.g. accountants, solicitors, consultants, banks, building societies, white-collar businesses generally) Property Management & Owning Companies Private Members Clubs Printers Charities Distribution Businesses

Retail Chains Hotel Chains Restaurant Chains Theatres, Stadia Metalworking Brewers & Distillers Manufacturers of Consumer Goods Schemes, Affinity Groups & Trade Bodies

This list is not exhaustive, so if you are interested or have further questions, please feel free to contact us about how it might work in practice or regarding specific insurance covers.

To help you quickly pre-qualify whether your business might benefit from Synergy MicroCaptive™, please answer our top-level questions below.

Please confirm that your business:

	pays combined insurance premiums across all covers totalling more than £30,000 per year?
	has a consistently good loss record over the last five years; with care taken to ensure that risks are minimised?
	is based in the UK?

If you can confirm all the check points listed above, this indicates that Synergy MicroCaptive™ may be able to offer you significant business benefits.  Otherwise, it is unlikely the product would be appropriate for your insurance profile. 

To see an illustration of how it might work for your business, you can run a comparison based on your own premium and claims data for the last three years to see what the difference would have been had you been covered by Synergy MicroCaptive™ instead of traditional insurance.