services

who we are and what we do

We are independent industrial and commercial insurance intermediaries acting on behalf of businesses to place insurance cover suitable to their needs with a range of insurers. Regulated and authorised by the Financial Services Authority.

Our service is always totally confidential, highly responsive and fully personalised, to meet the precise needs of each individual client.

We will:

  • Work to understand your business and identify the risks specific to you.
  • Negotiate insurance cover that 'fits' and work with you to manage those risks.
  • Regularly review your needs and keep you up to date with regulatory changes such as Health and Safety, employment law and the changing responsibilities of Directors.
  • When you have a claim, respond immediately, knowing that this is the most important aspect of our service.
  • Our strength as a Commercial and Industrial Insurance broker is demonstrated by our Case Studies and the fact that we retain 98% of our renewals year after year and secure over 90% of all our new business through recommendation and referral.
  • Promptly and accurately issue all documentation.
  • Give you ample notice of renewal of your insurance and offer alternativ quotes at every renewal.

Our Terms of Business lay out clearly and unambiguously the service standards you can expect.

What is Risk Management and why should my business be concerned about it?

  • Forward thinking companies look for insurance and related risk management solutions throughout their operations because.
  • You want to be prepared, not caught unawares.
  • You want to be protected now and in the future so that you are able to realise your goals for growth and profitability.
  • You want to achieve this as cost effectively as possible, without diverting time, effort and attention from the core goals of your business but also, without compromise.

Insurance will always be part of the solution, replacing unknown, unbudgeted risk, with a known and financially planned, premium.

Risk management makes good business sense...

  • The benefits are numerous.
  • Managers can make better investments, protect these investments more confidently, (guarantee returns on investment), and have a better chance of meeting strategic objectives.
    Risk management is also imperative because transferring risk to the insurance marketplace is not always the best option.
  • Businesses who understand and can display competence in risk management enjoy better relationships with stakeholder groups – many of which are applying more scrutiny to business behaviour and are less tolerant of mistakes.
  • Such organisations are also in a superior position to take calculated risks, due to their greater knowledge of where hazards and opportunities lie.
  • Securing the rewards of well managed risk eludes a great many companies.

We help companies find those rewards, which include:

  • Reduced insurance costs.
  • Secure business continuity, post loss/damage.
  • Improved customer retention.
  • Greater new business acquisition.
  • Better employee protection and retention.
  • Our broking expertise, knowledge of insurance markets and close contacts with underwriters mean we can seek the best cover at the best price, matched to a client’s exact business profile.

    We understand risk profile, appetite for risk, and acceptable levels of volatility, so that when a cost-effective solution isn’t available from the markets, we will help you to manage risk in other ways.
  • Risks are everywhere – the issue is how rigorously organisations assess, control and finance them.
    There is no question that those that manage their risks better than others enjoy a significant competitive advantage.
  • Put simply, they have a much better chance of reaching their business objectives.
  • This is a much-needed competence in today's fast-moving marketplace.

Organisations that manage risk well, enjoy a ‘virtuous circle’ when it comes to relationships with underwriters. By controlling risks and reducing costs, they can enjoy discounts on their premiums and cope better in a hard insurance market.

Being more in control of their risks gives our clients the confidence to make decisions with less chance of unwanted surprises.