Open Honest Transparent!

When we provide services to our clients we adhere closely to our mission, which is

WE WILL PROVIDE OUR CLIENTS WITH A FIRST CLASS “INSURANCE & RISK MANAGEMENT” SERVICE WHICH EXCEEDS EXPECTATIONS AND DELIVERS REAL VALUE OVER THE LONG TERM.

We also have some core values, which are important to us, it’s the absolute essence of what we do, they are:

WE ARE PROUD OF OUR HERITAGE AND OUR REPUTATION AND WE WILL ALWAYS STRIVE FOR THE VERY BEST IN EVERYTHING THAT WE DO.

WE WILL MAKE EVERY EFFORT TO KNOW OUR CLIENT’S AND WE WILL PROVIDE SIMPLE, ELEGANT SOLUTIONS, WHICH ARE EASY TO UNDERSTAND AND MEET THEIR NEEDS.

OUR ONLY CONCERN WILL BE TO MAKE RECOMMENDATIONS IN OUR CLIENT’S BEST INTEREST, AT THE LOWEST PRICE AVAILABLE IN THE MARKET.

WE WILL NOT TAKE COMMISSION FROM INSURERS AND OUR FEES WILL ALWAYS BE DECLARED OPENLY AND TRANSPARENTLY.

SERVICE EXCELLENCE AND INTEGRITY ARE EVERYTHING!

Very simply we will find you:

  1. The correct technical solution
  2. At the lowest price in the market place
  3. And disclose our fee up front, before you make a decision, so you can see that it is reasonable.

We will never take commission from insurers, and this removes all possibility of a conflict of interest over placing business and our earnings.

We will seek to educate our clients, so they can make better informed buying decisions and understand the nature of their exposure to risk, the recommendations we are making and why they represent good value for money.

We believe that is #openhonesttransparent

Have a great day

 

 

 

Insurance Freak!

Insurance freak!

I will take that! This was once levelled at me in a high-level board meeting. I took it as a badge of honour when the individual concerned said:

“This is just our job, but everyone knows you love it!”

I’ve always said, if you don’t love what you do, go and do something else. Life is way too short to spend 8+ hours every day doing something you don’t enjoy.

Today is about putting some new business on cover and making sure that our clients get all the relevant documentation in real time, very quickly, so that we can start looking after them and delivering on our promises, #becauseaccidentshappen to nice people all the time.

When you work with the diversity of businesses and situations we look at, no day is ever boring.

Today I’m sorting out:

  • A virtual business assistant
  • A business management consultant
  • An importer of adventurous training equipment
  • The largest plant and seed business in the UK
  • A multi-site shoe repair business

All of these clients will get my personal attention and all of our clients get a personal relationship with a single member of staff as their point of contact, on all matters relating to the solutions we provide.

  1. Continuity
  2. Insurance
  3. Risk Management
  4. Business Consultancy

All of this provided in an #openhonesttransparent manner, so when the worst happens our clients can #justkeepgoing without breaking stride.

Have a great day

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Have a great day

Don’t break your business, the courts won’t care, and ignorance is never a defence!

Last week we talked about the one of only two legally mandatory insurances in the UK, cover for third party injury or damage whilst driving a road registered motor vehicle. Today we talk about the most important legally binding insurance, Employer Liability (EL) cover.

As a business owner it is the one piece of insurance cover you must get right, but not for yourself, more importantly for your employees, who if seriously injured may require an amount of money to look after them for the rest of their lives or if killed, families who may need long term support.

Currently our largest outstanding claim is over £650,000 and that was a guy in his late 50’s so loss of earnings wasn’t even the largest part of it. These claims can easily run into millions.

Under the 1969 Compulsory Insurance (Employers Liability) Insurance Act, cover must be in place for no less than £2,000,000, but in practice all insurers give cover up to £10,000,000 as standard, so the extent of cover is not an issue.

Now the important point, when must you have Employers Liability cover!

If you have a business where there any employees, even for one minute, of one day, of a year, or if you have volunteers or even self-employed sub-contractors, who do not have their own businesses and EL cover, you are responsible for them when they are working for you, especially in manual activities, construction and the like. You must have the cover.

The only exceptions are unincorporated businesses where there are partners and no other employees, volunteers or sub-contractors or in a limited company, where there is only one director and no other directors, officers or other employees. As soon as a limited company has two directors, who are employees of the limited company, cover must be in place as soon as the business is registered at Companies’ house.

Let’s be serious here. The penalties for failing to have the correct Employers Liability cover in place are fines of up to £2,500 per day or up to 6 Months in jail.

If you are starting a business, or registering a limited company, then get advice from a professional, #becauseaccidentshappen to nice people all the time.

We are always here to help and support our clients, just message me here or call and talk to a professional on 029 20 470 375.

Marine business Insurance, When storms hits, the right cover will get you back on the water.

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