Papua New Guinea is where glass, steel and concrete meets the jungle, and at SCAL, our objective is to offer affordable and effective insurance cover and set a high standard for customer service. Hence our approach is to rigorously assess risk information provided by our clients so that the insurance policy can be adequately underwritten and also maintained with ease. The SCAL underwriting team takes a hands-on approach by working closely with our Risk Survey team to physically inspect and survey client’s properties and make recommendations to mitigate losses, as well as improve the ‘insurability’ of a potential client’s property. The Underwriting is also supported well by the Service Centre division to ensure all policy information is accurately entered and updated in the insurance software, iBais. Based on SCAL’s strong start-up capital, book of business and its excellent reinsurance securities protecting the company, SCAL is able to efficiently and competitively underwrite the following classes of business from basic risks to more complex risks, for both private individuals (personal lines), Small business (SME) and large corporate business: