Training Workshop
How to Buy Insurance and Sell Your Risk Like a PRO
Save on premium while increasing limits.
Alex SidorenkoHead of Risk & Insurance AI
Bernhard RanneggerFounder & CEO
Eight video lessons by Alex Sidorenko and Bernhard Rannegger. Every lesson comes with an interactive presentation: open it in a new tab and click through the logic along with the video.
In this course they share their contrarian, award-winning approach to insurance buying. Watch the lessons in order: each one builds on the last, using the same example building.
The first two lessons are free.Sign up to unlock lessons 3 to 8.
- Start hereWelcome and how the workshop works1:44
- Lesson 1Why you do not insure everything you own27 min
- Lesson 2Which risks matter and which do not19 min
- Lesson 3Rate the risks, then compare20 min
- Lesson 4The losses hiding in your own files17 min
- Lesson 5Build your policy auditor20 min
- Lesson 6Build a court case researcher4 min
- Lesson 7Choose a broker panel, not one broker15 min
- Lesson 8Build the perfect submission15 min
Welcome and how the workshop works
Meet your hosts and see how the lessons work. Each lesson has its own interactive presentation to open alongside the video and follow along.
Why you do not insure everything you own
You don’t insure what you own, you insure your bad day, and you can only name it once you know your real values, recovery times and controls.
Most companies are underinsured, and it starts with the basics: outdated valuations and recovery periods nobody has checked. Learn to build your limit around the probable maximum loss rather than total asset value, and see how one passive control can shrink the limit and the premium with it.
Which risks matter and which do not
Renewal is not a copy of last year. Recalculate your risk before the first conversation with a broker.
Every risk is a distribution of how often it happens and how bad it gets. Learn to shortlist the risks worth quantifying and to use the renewal as a chance to learn the business. Keep brokers quiet until your submission is ready, so no underwriter anchors on a first impression.
Rate the risks, then compare
Your gut ranks risks by the average year, but the premium is set by the bad year, and underwriters price only what they can see.
If you rank the risks qualitatively, use this lesson to compare with the actual data and feel the difference. Learn to show your controls with visuals and data, because insurers’ models often don’t include your flood defences or your decision not to build tailing dams.
The losses hiding in your own files
Your real exposure is not in the incident log, it is in the numbers that moved.
Borrow the Basel operational-risk logic and look in five places: revenue deviations, damage and maintenance, cost spikes, claims and returns, and fines. Water, electricity and maintenance spend reveal incidents nobody recorded. Every time this was done, it showed the company was insuring only the tip of the iceberg.
Build your policy auditor
Audit your own 60-page policy against your real risk before anyone else tells you what is wrong with it.
Learn how to generate an AI auditor agent in minutes and run it on your policy. Ask it for problems only, so the 20% that matters isn’t buried in pedantry. Then send the anonymised policy to every broker: whoever returns a generic answer has just shown you who not to hire.
Build a court case researcher
Search for the clause, not for your own industry: someone else’s lost claim shows how your policy will fail.
Turn the gaps from your audit into a research prompt that finds court cases across countries and industries. Unrelated cases often share the same root cause, and learning from other people’s lost claims is cheaper than paying for your own.
Choose a broker panel, not one broker
A broker should earn the mandate before the contract: competition between a few proven brokers beats one pre-selected partner every single time.
Shortlist two to four brokers on risk-math ability, the quality of their policy audit, competency and fee transparency. Give each a separate slice of the market, and let the best leading quote unlock the rest. The speaker says a single pre-selected broker gave a worse result every time he tested it, and that markets were never contaminated.
Build the perfect submission
Underwriters price what you tell them, and every gap or ambiguity gets penalised, so write a submission that survives being retold.
Your story must work for the underwriter’s calculator and for the human who has to resell it internally, often through a chain of three underwriters in different countries. Use the checklist to remove ambiguity, write your own submission instead of filling in a questionnaire, and treat insurance as a financing decision, not a procurement tender.