Inside the RiskBox Insurance Policy Audit

Navigating the world of business insurance isn’t easy, especially for agencies working in creative, media and digital sectors. That’s why a tailored Policy Review from RiskBox can make all the difference.

This service goes far beyond a simple policy check. It’s a comprehensive audit that considers your service offerings, contractual responsibilities, client base, operational structure and key risk areas.

Let’s explore what this review entails and how it could benefit your agency.

 
What Does a RiskBox Policy Review Include?

Our Policy Review results in a detailed written report assessing your current insurance arrangements. It highlights any missing cover you may need to consider and reviews what you already have in place.

Many agencies carry standard Professional Indemnity insurance, but that’s rarely enough. What about protection for cyber breaches, management risks, or overseas work?

Our review will help you evaluate:

• Whether your cover is structured correctly and includes all relevant entities.
• If every aspect of your services is represented.
• Exposure to international risks.
• The suitability of your policy limits.
• Any exclusions or limitations that may leave you vulnerable.

We look for inconsistencies, gaps in protection, or areas where you’re paying too much. You’ll then receive tailored recommendations, including what changes to make, when to make them and what costs or savings may be involved.

 
Why Is a Policy Review Worth Doing?

Our goal is to give you a clear, actionable view of your current insurance position. We help you spot gaps, correct mistakes, assess premiums and ensure you remain legally compliant.

The process typically unfolds like this:

• You send us all relevant policy documentation, including the schedule, wordings, and summaries.
• We arrange a discovery call to learn more about your business and how it operates.
• Our team analyses the details of your policies alongside your actual services.
• You receive a full written report, followed by an optional debrief call to answer any questions.

The whole process takes about 7 to 10 days and doesn’t need to coincide with your policy renewal, making it a smart step to take when you’re not already under pressure.

 
What We Commonly Find in Reviews:

• We frequently uncover recurring issues across agency insurance policies.
• Excesses set too high.
• Inadequate limits particularly for US or international client work.
• Policies written on an aggregate rather than per-claim basis.
• Contractual clauses that restrict how you engage freelancers or contractors.
• Narrow wordings that don’t fully match the agency’s activities.

Once you’ve reviewed the findings, you can choose to implement the changes through your existing broker, or let RiskBox handle the updates on your behalf.

 
Why a Tailored Insurance Review Matters

Agency life evolves quickly. Whether you’re expanding into new markets, hiring internationally, or adding new services, your insurance needs may be shifting too. That’s why this kind of policy review isn’t just helpful, it’s essential.

Rather than relying on off-the-shelf solutions, a bespoke review ensures your cover genuinely reflects how your business operates.

 
Take the Next Step Toward Better Protection

Your business deserves insurance that fits not just cover that ticks boxes. If you work in the creative, media, or digital space, a tailored policy review can help you identify oversights, reduce risks and make sure your protection aligns with the realities of your work.

Ready to take a closer look at your cover? Get in touch with the team behind this service to start your review.

Call us today at 0161 533 0411, email info@riskboxuk.com or fill out the contact form and we’ll do the rest, https://riskboxuk.com/contact/

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