Risk Management and Insurance Process
Insurance is not just about policy sales. In our approach, everything starts with risk management. Before insurance is made, potential risks are carefully evaluated, and when necessary, our engineers are sent to inspect your facility on-site. This ensures that the analysis of your business or individual needs is done correctly.

After the evaluations, the required types of coverage are determined, and the most suitable insurance policy is suggested to you. This ensures that the insured receives the correct coverage and prevents possible losses. In this way, insurance becomes not just a guarantee but a strategic tool that ensures the sustainability of your business or life.

During the risk detection process, the insured and the insurance company may agree to issue a mutual value assessment report, particularly for large investments and high-value assets.

What is a Mutual Value Assessment?
A mutual value assessment is the process of determining the value of an asset within the scope of an insurance policy in an accurate and fair manner. This process involves the mutual approval of the asset's value by both the insured and the insurance company.

How Does It Work?
Valuation Process: The insured requests a valuation report or expert service to determine the value of the asset within the scope of the insurance.
Mutual Approval: The insurance company reviews the report and checks whether the asset meets the limits specified in the insurance policy. An agreement is reached between the parties.
Policy Arrangement: After mutual agreement on the value, the insured value of the asset is reflected in the insurance policy, and coverage is provided.

Mutual value assessment ensures that the insured receives the correct coverage for high-value assets and prevents potential disputes. This process guarantees that the insured receives the correct compensation in the event of a loss.

In this case, no objection can be made to the value determined by the parties for damages occurring after the report date.