Know what your insurance really protects.
ClearRisk Consultants helps businesses understand whether their insurance genuinely reflects the risks they face — with independent, objective advice, before a loss occurs.
Having insurance doesn't always mean every material risk is properly covered.
Many businesses buy cover without a clear view of whether it matches their operational, financial and contractual exposures. Even with a good broker, a second, independent pair of eyes can reveal:
SMEs rarely justify a full-time insurance coordinator. ClearRisk gives you that specialist insight when it matters most — around renewals and key decisions — without the ongoing cost.
Clear, practical insight into the cover you already have.
All services are analytical and advisory, designed to support your internal decision-making.
Insurance policy review
We review policies, schedules, endorsements and summaries to clarify exactly how your coverage operates.
Coverage adequacy assessment
We assess whether limits, structures and terms align with your business activities and risk profile.
Gap and overlap analysis
We identify uninsured or underinsured exposures, exclusions, duplication and material assumptions.
Risk-focused wording commentary
We explain limits, deductibles, conditions and exclusions from a practical risk perspective.
Advisory reporting
Clear written findings and priorities for owners, management teams and boards.
Insurance training
Focused sessions that build your team’s internal understanding of insurance cover.
A clear journey from concern to confidence.
Discover
We understand your business, operations, contractual obligations and risk priorities.
Review
We examine your policies, schedules, endorsements and related documents.
Analyse
We test adequacy, structure, wording, limits, deductibles and exclusions.
Advise
We present clear findings, priorities and practical recommendations.
You decide
You act on the advice, working with your licensed broker or insurer to implement changes.
No placement. No premiums. No commissions.
We work on a fee-only basis, so our only interest is yours. Our advice helps you engage your broker or insurer with greater clarity and confidence.
What we do
What we never do
For decision-makers who value clarity and good governance.
Based in Mauritius, advising clients across East and Southern Africa and internationally.
SMEs & owner-managed businesses
Specialist support without the cost of a full-time insurance coordinator.
Corporate organisations
An independent review of insurance programmes and board-ready insight.
Insurance & reinsurance brokers
An independent technical review of clients’ policies or complex programmes.
Referral partners
A specialist collaborator for legal, compliance and risk firms.
Technical insurance knowledge, with a business-first approach.
Founded by Sibtain Hasham, ClearRisk Consultants brings experience in designing products and systems, leading teams, developing market-entry strategies and structuring solutions for complex client risks.
Book an introductory consultation.
Tell us a little about your business and your current cover. We'll come back to you to arrange a short, no-obligation conversation — or to scope an independent policy review.