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INSURANCE OVERVIEW
Three of seven lines fall short
Turnover
1.85bn kr.
Annual premium
4.82m kr.
Sums insured
1.17bn kr.
Property and BI
Allianz940m1 JanProduct liability
Chubb50m1 JanGeneral liability
Chubb25m1 JanCyber
Beazley40m1 MarMarine cargo
Allianz12m1 MarD and O
AIG100m1 JunGroup pension
Evergreen Pensionn/aRollingThree lines need attention, marked in red. The premium is 0.26% of turnover against a sector band of 0.30 to 0.45, which usually means the limits are thin rather than that you are buying well.
POLICY PLACEMENT
490,000 kr. under the next best
Four markets approached in January. Two quoted the full programme.
Allianz and Chubb
PLACED4.82m kr.Placed as one programme
Zurich
5.31m kr.No appetite for the Poznan site
AXA XL
5.64m kr.Declined product liability
Sompo
No quoteOutside their industrial appetite
Next round opens in October
GAP ANALYSIS AND Q&A
Two contracts require cover you lack
Raise product liability to 100m kr.
Required by two customer contracts
Add the Poznan site to the property programme
Acquired in March, never notified
Lift the cyber business interruption sublimit
Capped at 5m inside a 40m tower
What happens if we ship to the US under the current wording?
Nothing is excluded. The limit is the problem: US claims settle in dollars, and the 50m cap converts to roughly 7.1m USD.
CLAIM 2026-1184, MACHINERY BREAKDOWN, VEJLE
Nobody had to report this one
HANDLED WITHOUT YOU
Notified the insurer within four minutes
Pulled the maintenance log from your drive
Drafted the loss narrative for sign-off
RISK MANAGEMENT
Two lines below your own limit
Cover as a share of the exposure we have valued. The marker is the level your own risk policy sets.
Property
Product liability
General liability
Cyber
Marine cargo
Business interruption
INSURED VALUES AGAINST LIMITS
27 projected21
22
23
24
25
26
27
Insured values are up 88% since 2021. The limits have moved once. On this trend you are underinsured by next renewal.
COMPLIANCE
Locally admitted cover, Poland
MissingContract limits, two customers
BelowNIS2, in scope from Q1
Not assessedWorking environment file
In orderPENSION SERVICE
128 on the terms of a company you bought
128 employees are still on the terms they had before the acquisition
vera
opening your agreements
Your two largest supply contracts require 100m kr. in product liability. The policy caps at 50m.
Contract terms against policy wording
And the Poznan site you acquired in March is not on the property programme.
Notified to no insurer
The new lease in Aarhus was signed on Friday. It is not on the programme either.
Found while you were reading
Both gaps close with an endorsement. The real money is the renewal: five lines fall inside ten weeks.
Drafted from your policy wordings
Trusted by
Leaf has a strong understanding of our business and acts as a competent and proactive advisor in the field of insurance. We have obtained more robust coverage that supports our collaboration with both customers and subcontractors – while at the same time optimising our costs.
Christian and Mikael, CEO of C2Wind and C2Wind Projects respectively
Leaf enabled us to sign a large US-account. In large negotiations like these, you cannot risk losing the agreement due to failure of compliance. Leaf managed the compliance complexity for us. Their integration saved us a lot of time – and they gave us first-class counselling throughout.
Sarah Pfeiffer, General Counsel at Dreamdata
We are growing rapidly and internationally. With Leaf, we ensure that our insurance premiums remain competitive alongside our international growth and higher customer demands.
Jens Christensen, CFO at Factbird
Leaf has been key in securing proper insurance coverage at a good price for us. In no time, they gained a deep understanding of our business – and have quickly and competently assisted with both our general insurance coverage and specific insurance coverage tailored to individual customer contracts.
Peter Hobitz, Legal Counsel at Hybrid Greentech
With their platform, Leaf has provided such a sharp insight into our company and risk as I do not think any insurance company has ever had before. It has given us the exactly right coverages and a significant saving in our total premium. This is a result we could not achieve ourselves when, the year before, we obtained quotes from four different companies ourselves. With minimal effort on my part, we are now much better positioned for the future.
Jesper Kratmann, Partner at Ingeniørhuset Aarhus
Leaf is our Chief Insurance Officer. They help us get the most value for money, ensure correct coverages and provide professional, flexible sparring at short notice.
Uffe Rasmussen, COO at MSA Construction
Leaf is a key partner for us. We're growing fast and internationally, expanding the organisation, acquiring companies and launching new products, and Leaf makes sure we have the right coverage and meet the requirements that come with that. I've never seen savings like the ones we've had since we started with Leaf, and it frees up a lot of time for our finance team.
Michael Buus, CFO at Ooono
Leaf has a strong understanding of our business and acts as a competent and proactive advisor in the field of insurance. We have obtained more robust coverage that supports our collaboration with both customers and subcontractors – while at the same time optimising our costs.
Christian and Mikael, CEO of C2Wind and C2Wind Projects respectively
Leaf enabled us to sign a large US-account. In large negotiations like these, you cannot risk losing the agreement due to failure of compliance. Leaf managed the compliance complexity for us. Their integration saved us a lot of time – and they gave us first-class counselling throughout.
Sarah Pfeiffer, General Counsel at Dreamdata
We are growing rapidly and internationally. With Leaf, we ensure that our insurance premiums remain competitive alongside our international growth and higher customer demands.
Jens Christensen, CFO at Factbird
Leaf has been key in securing proper insurance coverage at a good price for us. In no time, they gained a deep understanding of our business – and have quickly and competently assisted with both our general insurance coverage and specific insurance coverage tailored to individual customer contracts.
Peter Hobitz, Legal Counsel at Hybrid Greentech
With their platform, Leaf has provided such a sharp insight into our company and risk as I do not think any insurance company has ever had before. It has given us the exactly right coverages and a significant saving in our total premium. This is a result we could not achieve ourselves when, the year before, we obtained quotes from four different companies ourselves. With minimal effort on my part, we are now much better positioned for the future.
Jesper Kratmann, Partner at Ingeniørhuset Aarhus
Leaf is our Chief Insurance Officer. They help us get the most value for money, ensure correct coverages and provide professional, flexible sparring at short notice.
Uffe Rasmussen, COO at MSA Construction
Leaf is a key partner for us. We're growing fast and internationally, expanding the organisation, acquiring companies and launching new products, and Leaf makes sure we have the right coverage and meet the requirements that come with that. I've never seen savings like the ones we've had since we started with Leaf, and it frees up a lot of time for our finance team.
Michael Buus, CFO at Ooono
Leaf has a strong understanding of our business and acts as a competent and proactive advisor in the field of insurance. We have obtained more robust coverage that supports our collaboration with both customers and subcontractors – while at the same time optimising our costs.
Christian and Mikael, CEO of C2Wind and C2Wind Projects respectively
Leaf enabled us to sign a large US-account. In large negotiations like these, you cannot risk losing the agreement due to failure of compliance. Leaf managed the compliance complexity for us. Their integration saved us a lot of time – and they gave us first-class counselling throughout.
Sarah Pfeiffer, General Counsel at Dreamdata
We are growing rapidly and internationally. With Leaf, we ensure that our insurance premiums remain competitive alongside our international growth and higher customer demands.
Jens Christensen, CFO at Factbird
Leaf has been key in securing proper insurance coverage at a good price for us. In no time, they gained a deep understanding of our business – and have quickly and competently assisted with both our general insurance coverage and specific insurance coverage tailored to individual customer contracts.
Peter Hobitz, Legal Counsel at Hybrid Greentech
With their platform, Leaf has provided such a sharp insight into our company and risk as I do not think any insurance company has ever had before. It has given us the exactly right coverages and a significant saving in our total premium. This is a result we could not achieve ourselves when, the year before, we obtained quotes from four different companies ourselves. With minimal effort on my part, we are now much better positioned for the future.
Jesper Kratmann, Partner at Ingeniørhuset Aarhus
Leaf is our Chief Insurance Officer. They help us get the most value for money, ensure correct coverages and provide professional, flexible sparring at short notice.
Uffe Rasmussen, COO at MSA Construction
Leaf is a key partner for us. We're growing fast and internationally, expanding the organisation, acquiring companies and launching new products, and Leaf makes sure we have the right coverage and meet the requirements that come with that. I've never seen savings like the ones we've had since we started with Leaf, and it frees up a lot of time for our finance team.
Michael Buus, CFO at Ooono
Leaf has a strong understanding of our business and acts as a competent and proactive advisor in the field of insurance. We have obtained more robust coverage that supports our collaboration with both customers and subcontractors – while at the same time optimising our costs.
Christian and Mikael, CEO of C2Wind and C2Wind Projects respectively
Leaf enabled us to sign a large US-account. In large negotiations like these, you cannot risk losing the agreement due to failure of compliance. Leaf managed the compliance complexity for us. Their integration saved us a lot of time – and they gave us first-class counselling throughout.
Sarah Pfeiffer, General Counsel at Dreamdata
We are growing rapidly and internationally. With Leaf, we ensure that our insurance premiums remain competitive alongside our international growth and higher customer demands.
Jens Christensen, CFO at Factbird
Leaf has been key in securing proper insurance coverage at a good price for us. In no time, they gained a deep understanding of our business – and have quickly and competently assisted with both our general insurance coverage and specific insurance coverage tailored to individual customer contracts.
Peter Hobitz, Legal Counsel at Hybrid Greentech
With their platform, Leaf has provided such a sharp insight into our company and risk as I do not think any insurance company has ever had before. It has given us the exactly right coverages and a significant saving in our total premium. This is a result we could not achieve ourselves when, the year before, we obtained quotes from four different companies ourselves. With minimal effort on my part, we are now much better positioned for the future.
Jesper Kratmann, Partner at Ingeniørhuset Aarhus
Leaf is our Chief Insurance Officer. They help us get the most value for money, ensure correct coverages and provide professional, flexible sparring at short notice.
Uffe Rasmussen, COO at MSA Construction
Leaf is a key partner for us. We're growing fast and internationally, expanding the organisation, acquiring companies and launching new products, and Leaf makes sure we have the right coverage and meet the requirements that come with that. I've never seen savings like the ones we've had since we started with Leaf, and it frees up a lot of time for our finance team.
Michael Buus, CFO at Ooono
Updates
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AI your risk. Own the outcome.
Leaf ApS is registered with the Danish Financial Supervisory Authority, FTID 36906.
© 2026 Leaf ApS
AI your risk.
Own the outcome.
Leaf ApS is registered with the Danish Financial Supervisory Authority, FTID 36906.
© 2026 Leaf ApS
AI your risk.
Own the outcome.
Leaf ApS is registered with the Danish Financial Supervisory Authority, FTID 36906.
© 2026 Leaf ApS