The difference is in a personal approach and an experienced team that knows extremely well what it’s all about. That means we look beyond insurance solutions. We enter into an intensive relationship based on trust and with clear, transparent agreements. At least once a year, we will meet with you to discuss developments within your market and your company. This allows us to respond in a timely manner to potential risks to which your business is exposed.

Based on your requirements, we design, organize and implement management measures and innovative insurance models that actually cover your risks. In doing so, we often achieve appealing results. If desired, we will take (part of) your work off your hands.

Kröller Boom works with you to analyze your business model, customer portfolio, core suppliers, service model and liability risks based on available data. Our specialists quantify the risks and their impact on your organization, finances and people.

Some examples of our work:

• Market trends in fire, business interruption and liability insurance in particular indicate a hardening. Insurers are confronting policyholders with significantly higher premiums and higher demands for preventive measures. We cannot change market trends, but we are able to cushion the effects and arrive at acceptable solutions. We do this by reassessing the structure of the insurance, exploring fallback options, limiting business claims terms, engaging alternative insurers and making the premium structure transparent.
• More and more companies are including a risk paragraph in their financial statements. In fact, this is now mandatory for companies from EUR 12 million in sales. Our specialists know exactly how to set this up.
• 
  Cyber risks
  were not so long ago primarily associated with data-processing companies, but with the rise of hostage software, every company appears to be a target for this form of crime. Moreover, risks come not only from outside, but also from within the organization. You can guard against cyber risks by taking preventive measures, which we can offer in partnership with cyber risk expert Northwave. In addition, we can offer you customized cyber insurance, which covers many of the risk areas.
• The insurance for
  directors’ liability
  has many manifestations. This only becomes clear when you need it, in case of a claim, impending bankruptcy or a conflict within your company. We recommend that you have your directors’ liability insurance checked by us for all possible risks. It won’t be the first time this insurance has had to be overhauled.
• Among your liabilities from good employment practice and the duty of care are an increasing number of Supreme Court rulings. Your AVB insurance may not yet fully reflect this. The same may be true of other employer-employee relationship insurance.

Thanks to our cooperation with Söderberg & Partners, we can offer advanced tools in the field of Human Capital. They invested more than EUR 80 m on various Human Capital tools over the past 5 years. These tools help you make workforce data insightful and accessible. On this basis, you can outsource part of the administration and the available data is sufficiently reliable to make management decisions based on it.

Some examples of how we support organizations:

• Meanwhile, 45% of collective bargaining agreements include financial counseling for your employees. This is not just about choices in lifecycles, additional savings, redemption or extra savings. Tools can give employees insight into their situation, allowing them to better decide how much risk they can or want to take. We provide a good mix in the deployment of these types of smart technologies and personalized advice.
• Tools for processing all employee insurance mutations with underlying parties, such as UWV, insurers and health and safety service providers. These simplify processes and take a lot of work off your hands.
• Outsourcing HR work. HR personnel usually prefer to deal with strategy, recruitment and policy rather than administration and management. This is precisely where one of our areas of expertise lies. Our specialists are up to date with the latest developments in laws and regulations. We are happy to take this work off your hands. Count on other benefits, such as cost savings, reduction of your liability and more insight into reliable information.
• Sustainable employability: it is a catch-all term, but with our customized training and activities we support you on the following central issues, among others:
  • As an employer, how should you deal with older workers in the face of retirement ?
  • As an employer, how can you integrate long-term sick people back into the workforce ?
  • As an employer, how can you engage millennials with your company?
  • As an employer, how do you determine an optimal benefits package?

Corporate wellness for absenteeism and income

• In the area of absenteeism and income, we offer a complete solution for the entire 12-year period that you as an employer are responsible for the income of sick employees. In the Dutch market, this approach is progressive. In one module for Corporate Wellness, tools, case management, health and safety services, an occupational physician and solutions for related consulting issues are available. We even go so far in this that we will assume any UWV claim resulting from a late gatekeeping action from you, if you use this service.