Carla Gillham, Executive Head of TRUM Africa, is launching a new series: TRUM Takes, offering candid insights designed for brokers who are on the front lines of risk management.
The insurance industry is often flooded with technical jargon and fine print, but we know that the real work happens in the gap between a policy being signed and a claim being filed. Our goal is to focus on the practical realities of protection, starting with a fundamental truth: Insurance is not a panic button.
The Reality of the Policy
By the time something goes wrong, the policy has already done all the thinking it’s ever going to do. The limits are set. The deductibles are locked in. The wording is what it is. Insurance responds after an incident – it doesn’t:
- De-escalate a situation.
- Manage reputational fallout.
- Help a lodge manager at 2am with an injured international guest.
That gap is where good brokers add the most value.
Protection vs. Insurance
We often see clients equate “having insurance” with “being protected.” They’re not the same thing. Protection happens before the incident:
- When the right limits are set.
- When contracts are understood.
- When someone has already asked: “What would hurt the most if this went wrong?”
Insurance is essential. But it works best when panic isn’t part of the plan.
TRUM Takes ~ Straight talk on the risks brokers actually see.
Please use this link to join the TRUM Takes series: https://trum.insure/get-trum-takes/
