Contaminated Product and Trade Credit Enterprise Risk Management & Insurance Solutions

UIB Group UIB is a London Based broker specialising in large & medium risks The group has companies and representatives in 20+ countries supported by a network of local offices, and strategic business partners in the countries where it does not have offices which provides UIB and its clients a unique platform to access insurance and reinsurance markets globally. UIB Ranks amongst the Top 10 insurance brokers in the world. UIB Partners in over 250 offices in 100 countries, with a strength of over 3,000 people and a revenue of USD 1.2b

CONTAMINATED PRODUCT RISK

CONTAMINATION Contamination is the presence of an unwanted constituent (contaminant) in a material. Food contamination refers to the presence in food of harmful chemicals / micro-organisms / harmful intrusions which can cause consumer illness. Increase in new pathogens found in edibles Increasing public health concern about Edible Oils Tremendous growth in size of food industry, diversity of products and processes And because of this your risk increases. But what is your risk??

YOUR RISKS Accidental Contamination Malicious Tampering Any accidental or unintentional contamination or Mislabelling of the insured product On account of Insured's product production, preparation, manufacture, packaging or distribution Such that the use or consumption of contaminated insured product has Resulted in or would result in bodily injury or property damage to third party Malicious Tampering Any actual, alleged or threatened , intentional, malicious and wrongful alteration, tampering or contamination of the insured product Which renders the products unfit or dangerous for its intended use or consumption Product Extortion A threat or connected series of threats to commit malicious product tampering Communicated to the insured , for the purpose of demanding ransom money

What this Risk means to you ? Costs & Losses Consultant Costs Rehabilitation Costs Extortion Costs Business Interruption Recall Costs Reputational Injury If this is the problem – Solution is … Product Contamination Insurance!

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TRADE CREDIT Insurance or Business Enabler

CREDIT SALES ANALYSIS How Much Business is done on Credit? Why is it limited to current level? Why not more or less?? Exposures? Bad Debts? Insolvency of buyers? Protracted Defaulters by buyers? What if exposure on Credit Sales can be transferred?

CREDIT INSURANCE – BUSINESS ENABLER By Transferring Risks (Bad Debts, Insolvency, Protracted Defaulters) Your Business Can Increase Sales on Credit (Opportunities that were lost since you could not provide credit facility) Insurers Provide insight on Credibility, Stability and Strength of buyers It Can give you insight on “How Much Credit” to provide to your buyers This will enable you to find right buyers and limits

CONCLUSION These are simple insurance products, however, their workings are quite complicated and require an expert to handhold you through insurance procurement and claims; should they arise. Talk to us!!

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