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Top 3 Most Frequently Asked Questions
01
Wouldn’t It Be Cheaper to Contract
Directly with the Insurance Company
Instead of Going Through a Broker?
No, it generally is not cheaper.
While many clients think direct negotiation will save money,
it can actually lead to higher costs and less favorable policy conditions.
A few drawbacks to going direct include:
① Potentially higher overall costs than anticipated
② Multiple unfavorable contract terms
③ Limited advice on optimal arrangements for your company
④ Slow response to various issues that can arise mid-policy
⑤ No easy way to compare offers from multiple insurers to secure the best terms
Ultimately, without specialized expertise, it is difficult for a client to secure the most
advantageous combination of price and coverage.
Working with a professional brokerage like NCRM is a smarter choice.
02
Do I Have to Pay an Additional Fee to
NCRM? What Does NCRM Do?
No.
There is no extra fee for consulting or contracting through NCRM.
You can use our brokerage service at no direct cost.
NCRM provides product design and consulting to tailor the best coverage and
negotiate favorable contract terms on your behalf.
In the event of a claim, we also proactively assist clients with the resolution process.
03
I'm always worried about re-enrollment
because the insurance premium I sign up
for every year is burdensome.
The CEO also often asks about the
necessity, so how should I report it?
It’s natural for businesses to view insurance premiums as a financial burden.
However, credit insurance isn’t just about protecting against default or
unforeseen losses; it also offers multiple benefits, such as:
• Stabilizing cash flow
• Improving corporate creditworthiness
• Driving sales growth through more aggressive selling
• Reducing legal and administrative costs
Top 3 Most Frequently
Asked Questions
01
Wouldn’t It Be Cheaper to Contract
Directly with the Insurance Company
Instead of Going Through a Broker?
No, it generally is not cheaper.
While many clients think direct negotiation will
save money, it can actually lead to higher costs
and less favorable policy conditions.
A few drawbacks to going direct include:
① Potentially higher overall costs than anticipated
② Multiple unfavorable contract terms
③ Limited advice on optimal arrangements for your
company
④ Slow response to various issues that can arise
mid-policy
⑤ No easy way to compare offers from multiple
insurers to secure the best terms
Ultimately, without specialized expertise, it is difficult
for a client to secure the most advantageous
combination of price and coverage. Working with a
professional brokerage like NCRM is a smarter
choice.
02
Do I Have to Pay an Additional Fee
to NCRM? What Does NCRM Do?
No.
No. There is no extra fee for consulting or
contracting through NCRM. You can use our
brokerage service at no direct cost. NCRM provides
product design and consulting to tailor the best
coverage and negotiate favorable contract terms
on your behalf.
In the event of a claim, we also proactively assist
clients with the resolution process.
03
I'm always worried about
re-enrollment because the insurance
premium I sign up for every year is
burdensome.
The CEO also often asks about the
necessity, so how should I report it?
It’s natural for businesses to view insurance
premiums as a financial burden. However, credit
insurance isn’t just about protecting against default
or unforeseen losses; it also offers multiple benefits,
such as:
· Stabilizing cash flow
· Improving corporate creditworthiness
· Driving sales growth through more
aggressive selling
· Reducing legal and administrative costs
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