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    Our Approach: Africa first

    How does AXA Africa Specialty Risks put Africa first?

  • We always start with our customers

    As one of the largest global insurers, our purpose is to empower people to live a better life. This purpose is shared by each and every employee throughout our organisation, as we tailor our services and solutions to each of our 107 million customers around the world, one person at a time.

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    Our approach for Africa: Flexible and Innovative

    We strive to put the client at the core of our offering. Many insurance companies see clients only as a buyer of a product. But we recognise that a client-focused approach means adapting to what the client needs. We also know this requires accounting for varying risk appetites, and regulatory environments, across Africa. That is why we go beyond the traditional limits of the insurance market.

    Applying our technical expertise to the most complicated insurance programmes, we can advise on structures best suited to our client’s desired cover. As a “one-stop-shop”, our underwriters are comfortable in structuring comprehensive insurance packages that may account for several different risks across various sectors, from construction and transport to energy and property.

    Our underwriting business model is not static: it is designed to adapt to the demands of our client. Able to offer advice and structure credit insurance – where previously it might have been difficult to obtain cover – we ensure that African trade business remains secure. Able to track and cover political risk, we work hard to ensure foreign investors can place their trust in Africa.

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    At home in Africa

    We are at home in Africa, maintaining a presence across the continent – from Johannesburg to Casablanca, and from Abidjan to Mauritius. This diverse geographical spread has helped us conduct business in 26 of Africa’s 54 countries since our launch. We pride ourselves on our ability to provide localised cover to both Anglophone and Francophone Africa, breaking through cultural barriers.

    Underwriting, particularly for complex industries, requires highly technical skills. As well as providing reinsurance to local insurers, we help them to properly assess risks and understand how we price them. In this way, we cooperate – rather than compete – with the local market. We take every opportunity to gain a better understanding of Africa, and prioritise the collection and analysis of data crucial to our clients.

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    Winning the agility race

    Speed is key to our success: we aim to be as agile as a start-up, and as entrepreneurial as the businesses growing in Africa. We aim to ramp up efficiency in the local insurance market: the quicker we work, the better our solutions and the better businesses and investors can mitigate risk.

    We will typically take 24-48 hours to offer a price quote; political violence and terrorism quotes are drawn up even quicker. We also stake our reputation on our ability to provide a rapid response to claims: the quicker our response, the better the outcome for our client.

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