Lenders Insurance Advisory (LIA)
We provide proactive insurance solutions to cushion your project financing
Lenders Insurance Advisory in Thailand: Securing the Collateral Behind Every Loan
Lenders insurance advisory in Thailand helps banks, leasing companies, and project financiers confirm that pledged assets stay fully protected throughout the life of a loan. By validating policies, tracking renewals, and coordinating rapid claim settlements, we make sure collateral retains value, debt-service schedules stay intact, and regulatory capital remains unthreatened.
Why Thai Lenders Need Robust Insurance Advisory Services
Complex collateral structures
Syndicated facilities, export-credit loans, and multi-tier project financing often involve numerous borrowers and assets. As a result, policy wording can easily omit a lender’s loss-payee rights unless specialists review every clause.
Tight regulatory oversight
The Bank of Thailand and international Basel frameworks expect lenders to assess insurance adequacy as part of credit risk management. Therefore, missing endorsements or inadequate limits can trigger additional capital charges.
Increasing severity of loss events
Fires, floods, and cyber attacks now generate larger claims, so an outdated policy can leave lenders chasing underinsured borrowers for shortfalls—an expensive, time-consuming process.
Core Services Within a Lenders Insurance Advisory (LIA) Mandate
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Policy due diligence – reviews schedules of insurance to confirm sums insured, deductibles, and sub-limits align with loan covenants.
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Wording negotiation – secures lender’s loss-payee status, non-vitiation clauses, and cancellation-notice periods acceptable to credit committees.
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Ongoing compliance tracking – monitors renewal evidence, premium payments, and material policy amendments so coverage never lapses.
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Claim advocacy – coordinates adjusters, engineers, and legal counsel to accelerate indemnity payments that reduce loan impairment.
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Portfolio analytics – provides dashboards that highlight emerging coverage gaps across multiple borrowers and asset classes.
Optional Enhancements for Broader Risk Control
Because each lending portfolio is unique, Lockton Wattana can add:
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Construction and advance-loss-of-profit monitoring for project finance deals
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Marine cargo policy oversight where inventory or feedstock serves as collateral
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Cyber liability verification for loans secured by digital assets and data centers
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Environmental impairment reviews on properties with potential pollution risk
All enhancements integrate seamlessly, ensuring your security interests remain intact from first drawdown to final repayment.
How Lockton Wattana Delivers Value to Lenders
First, our advisory team benchmarks borrower policies against local regulation and global best practice. Next, we draft insurance requirements that balance practical availability with robust protection. After that, we leverage long-standing market relationships to negotiate competitive terms and timely endorsements. Finally, we implement automated certificate collection and renewal alerts, freeing credit officers to focus on deal origination rather than policy chasing.
