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Optima Consultancy

Annual seems a reasonable period and consistent with insurance policies.
Should the calculations take the greater of the last 12 months or the projected volumes for the next 12 months? Someone new to the market would have a greater insurance requirement than someone that had been in pilot mode and about to grow extensively?
It may be more sensible to round the resulting required levels of cover up to the nearest 10 or 100 thousand to reflect the fact these are estimates and not some precise level of cover.
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Mark O'Keefe
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