Who's Behind This Site?
I'm Emánuel Dávid Tukacs, independent insurance broker. As a broker, I don't represent one insurer's products – I act on the client's mandate: I request and compare several insurers' offers, and the decision is always the client's. I assess the need and inform about the options – I charge the client no fee for the advice; the insurer pays the intermediary remuneration.
The Way I Work: A Portfolio-Based Approach
At most companies, insurance accumulates historically: a property policy at start-up, a fleet policy with growth, a liability cover here and there because of a tender. Each one can be fine on its own – but together, no one sees them. The essence of my work is exactly this seeing-together: a renewal table, a cover map, gap- and overlap-hunting – so the company pays for exactly as much insurance as it needs, and it actually works at claim time.
This doesn't mean cancelling and rewriting everything. In some cases it turns out that the existing portfolio is already well-sized – in that case, I say so, and I don't recommend a new contract. The goal is order, not the number of policies.
