FEATURED
Go to cargoinsu.com →
Marine cargo, online in 5 minutes.
Instant rating on HS code and Incoterms, with same-day certificates. Single shipment or Open Cover — sized to your trade volume.
AIG · Chubb (A++) · DB Insurance (A+) · KB Insurance · Meritz Fire & Marine · Hyundai Marine & Fire (A) — as a broker, we compare the policy wordings of all six independently, design cover that fits your business, and support you from quote to placement through a single point of contact. 80+ corporate insurance lines in one place. Marine cargo cover can be applied for online 24/7 at cargoinsu.com.
ACIU underwriter · wording comparison across 6 insurers · average reply within 1 business day
※ Industry pages are currently in Korean.
Illustrative claim scenarios for similar risks — check how closely they match your own operations.
A factory worker's finger is amputated — employer's liability covers the excess over workers' compensation. (Illustrative industry example.)
Workers' accident cover (KR) →Loss from natural perils or ground subsidence during construction, covered by CAR. (Illustrative industry example.)
Construction All Risks (KR) →A customer is injured by a foreign object in restaurant food — covered by product/commercial liability. (Illustrative industry example.)
Product Liability (PL) →A resident falls during care, and the facility indemnifies treatment and damages. (Illustrative industry example.)
Welfare-facility liability (KR) →※ The scenarios above are generalized industry examples; actual cover depends on the policy wording and application terms. More examples are available on each product page.
Korea's non-life market has complex wordings, endorsements and exclusions. An insurance broker (N2N Insurance Brokerage) is an independent advisor who compares insurers' wordings, negotiates, handles claims and reviews renewals on the client's side. An insurer's sales force represents the insurer; a broker, under Article 89 of the Insurance Business Act, represents the client.
We review your industry, revenue and loss history to find coverage gaps, and narrow 80+ lines down to the cover you actually need.
We pre-analyze the wordings of AIG · Chubb · DB · Hyundai · KB · Meritz and present the suitable insurers' quotes in an item-by-item comparison.
We negotiate added endorsements, reduced exclusions and lower deductibles beyond the standard wording — possible only with market standing.
Our ACIU underwriter assists with claim documents, loss-adjustment and appeals to prevent missed or delayed indemnity.
Each renewal we re-assess market movement and rates, looking together for premium savings and coverage improvements.
The 4 most common questions before using a broker
A professional registered under Article 89 of the Insurance Business Act who compares and intermediates among several insurers on the client's (the company's) behalf. Unlike an agency, which acts for the insurer, a broker stands on the client's side.
The insurer pays it; it is not added on top of the premium you pay (in compliance with Article 98 of the Insurance Business Act — prohibition of special benefits).
Underwriting appetite, rates and wordings differ by insurer depending on industry, line of cover and prior loss history. We review the 6 together to find the most suitable cover and terms for your company.
① Review of your company and risk → ② underwriting check across 6 insurers → ③ results returned (avg. 1 business day) → ④ you compare and choose → ⑤ application and certificate issue.