How we can help

• Manage your insurance program or renewals, or review insurance arrangements, including program structure, coverage adequacy and renewal strategy
• Work with you, your broker and advisers on any insurance matters, from renewal preparation and strategy to setting up internal processes
• Objective program and coverage reviews, independent of broker or insurer bias
• Advise on risk financing structures for your overall portfolio or individual entities
• Captive insurance feasibility studies and alternative risk transfer options
• Directors & Officers coverage reviews and other discrete questions requiring technical depth

• Oversee or support complex claims response, including coverage analysis, strategy, stakeholder and insurer engagement, and settlement
• Help you through the insurance process, from understanding coverage and reporting, to claims strategy and resolution

• Practical guidance on liability, indemnity and insurance provisions in financing, lease, IT, vendor and other commercial agreements
• Develop contracting best practice guidance for contract management and procurement teams
• Prepare or review RFPs, for example for insurance brokerage services, and provide strategic input

• Develop and update risk registers, frameworks and enterprise risk profiles
• Specific risk assessments, control and mitigation measures, and response planning
• Flexible, on-call capacity within an Enterprise Risk team as surge support for peak periods, resourcing gaps or discrete projects

• Strategic analysis, business cases and RFP/procurement responses
• Understanding and communicating strategic effects of insurance and risk financing
• Draft and present Board, Committee and Executive materials

Our long-standing specialty

Thinking Innovation Solutions' first major engagement was in aviation. Michael has worked with helicopter fleets, airlines, major MRO facilities, and local and regional operators in Canada and the UK, as risk manager, broker, contracts adviser and claims specialist.

• Freelance insurance risk manager to major UK helicopter fleet, setting up and managing full new aviation and non-aviation insurance program aligned with risk appetite, and handling major claims.
• Aviation insurance broker, with regional airlines, global helicopter fleets, and local and regional operators as clients, including high-level non-insurance risk discussions.
• Experience reviewing flight operations agreements, leases, and commercial contracts for Canadian aviation clients, and advising on complex claims.
• Set up an aviation practice at a large North American brokerage, assisting clients and brokers throughout Canada on a range of coverages, legal risk issues and complex claims.

• Set up, manage or review aviation and non-aviation insurance programs, from broker RFP and appointment to renewal strategy
• Align insurance with your developing risk tolerance and appetite
• Review liability, indemnity and insurance terms in flight operations agreements, leases and commercial contracts
• Oversee or support complex and major claims response, including coverage analysis, strategy, insurer engagement and settlement

Insurance, enterprise risk and governance for public entities

Experience managing public sector insurance programs within Enterprise Risk team, and as broker and legal adviser to public sector organizations and projects. Our experience below drives Thinking Innovation Solutions' services in this sector.

• Insurance risk manager within a large provincial Crown corporation, updating the insurance program, aligning it with risk appetite and integrating it into operations
• Contributed to enterprise risk assessments and business cases
• Prepared and presented Board and C-suite materials, including annual insurance strategy, analysis of D&O insurance and provincial director indemnities, and a detailed captive feasibility study

• Insurance broker handling the insurance programs of public entities, including municipal and transit clients, frequently advising on non-insurance risk matters
• As a lawyer, drafted liability, indemnity and insurance provisions for a billion-dollar infrastructure project, and updated a P3 power generation project agreement to replace a defaulting consortium member

Sophisticated organizations that treat risk as a strategic imperative

We bring the breadth and depth of our experience to organizations in which enterprise risk contributes to strategic leadership, and where insurance and contractual risk management are critical to long-term success.

• Financial services: Negotiated terms for a London-based bank's worldwide insurance program, and developed and managed its insurance broker RFP.
• Marine and shipping: Underwriter and claims executive at a shipowners' liability insurer, and contract risk manager and legal counsel to a shipping company.

• Technology and cyber: Insurance response and coverage analysis for Cyber incidents, and broking for software developers.
• Construction, energy and resources: Liability allocation in construction contracts, legal guidance on energy project construction, and coverage analysis for mining losses.
• Professional liability: Managed the team of counsel handling lawyers' negligence claims at the Law Society of BC's professional liability insurer.