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Constant analysis of the insurance market is the basic prerequisite to the professional functioning of the STACH GROUP. Index number monitoring of insurers' financial strengths represents a significant element of this analysis so we are capable to recommend to our clients only those insurance companies, whose economic strength makes a guarantee that the insurers would meet their obligations in insurance policies. Evaluation of offers of individual insurance companies represents another important factor so we are able to give to our clients a professional advice regarding the selection of products most suitable for covering the risks to which they are exposed to. The STACH GROUP companies are oriented towards ensuring longterm and complex insurance services. With regard to the sharp increase of variety of insurance risks offered, our company has proceeded to certain specialization of our employees which enables us to cover any kind of classical, both standard and non-standard, kinds of insurance. By in-house consulting, we are capable to ensure that our individual companies can realize any insurance program, where it is necessary to come out of the precise mapping of the situation of an enterprise from the point of view of its insurance needs. Creating of optimum insurance protection would always represent searching for a compromise among the real supply available on the market, client's particular requirements and needs and sometimes also client's financial potential. Our company is able to warrant the quality of our services. The performance of a technical survey and risk analysis, together with consideration of the Sums Insured, constitutes the first phase of this process. This is followed by closer analysis of the activities of a given enterprise, its economic results and, above all, the insurance risks to which the enterprise is exposed. Based on this, we propose a structure for both property and liability insurance including special types of insurance. However, the conclusion of an insurance policy constitutes only the beginning of our co-operation with a client. The insurance policy needs to be continuously amended with relation to the client's requirements in a such way so that it can reflect development of the insured company, increase or possibly decrease of company assets and, last but not least, cover the new risks which the development of business activities is bringing about. The quality of insurance protection and our co-operation with a client manifest themselves during claim resolutions, by the speed and completeness of their solutions. We are offering such complex services also in the area of Personal Lines insurance. Thanks to the continuous analysis of yield trends we are in a position to offer our clients an optimum combination of insurance, additional pension insurance, a housing savings scheme and various bank products dependent upon the needs and circumstances of our clients. Services: It is possible to phase the services provided for enterprises, entrepreneurs, territorial administrative units, public institutions and individuals into the following steps: - understanding the needs of a client - identification and analysis of risks - selection of risks to be insured and prevention - optimisation of the insurance program in accordance with financial planning - analysis of existing insurance policies - organisation of tenders in accordance with the law - evaluating quotes from insurance companies - administration of insurance policies - assistance with claims handling - regular contact with a client, information on the insurance market - information on related subjects (e.g. tax, accounting etc.) - specialised lectures and seminars Constant analysis of the insurance market is the basic prerequisite to the professional functioning of the STACH GROUP. Stach & S.T. a.s. - Karlovy Vary