Commercial terms, governance and risk
Define the minimum viable terms required to launch and operate well
We align employers, leasing companies, OEMs, providers and insurers around clear commercial responsibilities, risk allocation, controls and escalation.
Most failures occur between organisations
A proposition can look attractive in isolation but fail when supply, discount, service, employment, insurance and operational assumptions meet. We make those dependencies explicit before launch or during remediation.
Our role is commercial and operational. We provide structured input for the client's appointed legal, tax, actuarial and regulated advisers rather than replacing them.
Purchasable terms and governance work
MVP supply-terms schedule
Define the minimum viable obligations across the employer, leasing company, OEM, provider and insurer. Output: responsibilities, dependencies, decisions and open points.
Governance and decision-rights design
Set ownership, approvals, review forums, management information, escalation and change control. Output: practical operating model and RACI.
Risk allocation review
Map early termination, life events, mileage, damage, residual value, availability, data and service risks. Output: risk register, mitigations and recommended allocation.
Discount and commercial-terms management
Create controls for OEM support, end-user terms, tactical offers, exceptions and periodic review. Output: governance process and reporting pack.
Insurance and protection workstream
Translate programme and vehicle risks into clear requirements for insurers and advisers. Output: risk brief, proposition questions and partner action plan.
Launch-readiness review
Test whether contracts, operations, content, systems, supply and escalation are aligned. Output: go-live issues list with owners and critical path.
Typical buyers
Enterprise employer
Procurement, finance, HR, reward, fleet or risk teams seeking independent buyer-side assurance.
Leasing or benefit provider
Commercial, proposition, operations or risk leaders mobilising an employer programme.
OEM or importer
Fleet, captive, finance or sales leaders defining supply and activation terms.
Insurer or MGA
Proposition and underwriting teams seeking a clear view of employer-programme mechanics and risk.
Investor
Deal or portfolio teams testing commercial dependencies and operational risk.
Cross-party steering group
A multi-organisation team that needs one shared view of decisions, actions and dependencies.
Commission a fixed-scope terms or risk diagnostic
A short review can identify the decisions and dependencies that should be resolved before a wider legal or implementation workstream.