Property Owners and Landlords take note!

One of the simplest package policies on the market is for property owners, sometimes called landlords insurance. Everything you need in one policy. So, what is included and what is left out?

To start with you want to protect the physical structure of the building and this is done by providing cover for a specific range of “perils” such as:

  • Fire
  • Lightning
  • Aircraft
  • Explosion
  • Earthquake
  • Storm or Flood
  • Theft or attempted Theft
  • Impact
  • Escape of Water
  • Riots
  • Malicious Damage

Even with these covers there are exclusions, so it is vital you read the wording in detail #becauseaccidentshappen, to nice people all the time.

Cover is also available for “other” accidental damage, as well as subsidence, ground heave and landslip, but these are usually options, so check the detail.

Standard exclusions include: War, Radioactive contamination, Sonic Bangs, Changes in Water Table, Electronic Risks, Wear and Tear, deterioration, and any gradually operating cause.

Cover can be restricted for unoccupied property, or in the course of renovation, sale or repair.

Land for development can be covered, but for liability only.

Want to know more, just call O29 20 470 375 or email

Its a journey and we know it

Today is a great day.

I get to talk to a client about one of my favourite subject, sales orientated business expansion and the processes that involves.

In my experience people simply don’t spend enough time thinking about their customers and putting them at the heart of the sales process. It about what they want, not what their customers want.

And is WANT not NEED, there is a big difference!

Its not difficult to do, but careful consideration is required to design a process that gets you a 5* Trust Pilot rating. Get it right and your business will flourish, get it wrong and it will stagnate.

Want to know the 5 simple steps to succeed at sales?

I’s easy when you know how.


Have a great day

Remember #successisachoice

You just have to decide if you want it?


What a scorcher!

Anyone working outside in the current very hot conditions could be said to be “Hot Working!”

If you’re not in an air-conditioned office today, then you will be feeling the heat one way or another.

Whether you are carrying out heavy physical labour, working underground, on the tube or in a kitchen, you will be feeling the heat and the current heatwave will only add to that.

We should all be hydrating more regularly, but now let’s look at those who are even more at risk.

Those people who are “Hot Working” on a day in and day out.

In risk management terms “Hot Working” is anything that involves the USE or APPLICATION of HEAT.

This is particularly important in situations where combustible materials are near the work being completed. So what processes are we talking about:

  • Welding and Cutting
  • Oxyacetylene or Gas
  • Arc, MIG or TIG Welding
  • Blow lamps and Blow Torches
  • Soldering
  • Heat Guns
  • Angle grinders and the like

All of the above produce heat in one form or another, and they are usually subject to what are called “Hot Working Conditions” either carried out under Health & Safety guidance of the employer or under a “Hot Work Permit” system, enforced by the company for who the work is being conducted.

In general, they include things like:

  • Access to the correct fire extinguishers
  • Removal of combustible materials from the immediate vicinity
  • Clearing up potential debris or waste
  • Maintaining a fire watch for up to two hours after work is completed
  • Signing off on the safe system of work

They are in place to make things safer #becauseaccidentshappen to nice people all the time.

Hot working?

It is today for everyone, but spare a thought for the hot working professionals, who do this day in and day out.

Have a great week and enjoy the sunshine if you can

Stay safe and stay hydrated

How to do Business!

My father taught me the important things and they still hold true today.

Business is simple, put on more than you lose, and you will grow and never sell someone a product, you would not accept yourself, in similar circumstances.

There are only 5 main reasons for losing business, a client dies, sells a property or ceases trading.

Occasionally a client will make a perverse decision. Something else is going on in their world and you will never know, so don’t sweat it, just move on. They may be back later.

Finally, if you do your job badly. This is an easy one. Just don’t do your job badly!

You can’t do anything about the first four. You can of course avoid the final one. There is no excuse for poor workmanship.

Care about your clients and understand their needs, if you can’t do that, don’t bother!

For the next two days I will be in London meeting with the Grace Gates network at Lords cricket ground, then an award-winning florist who looks after very large corporates, a specialist advisor in London law firms and the Judiciary, as well as a security firm providing close protection in the HNW space, and for C-Suite Executives in the corporate world.

Life is never boring if you just look for the opportunities

Have a great week

Business Women

How does that work?

It’s not necessarily what you think?

Most people would assume that an insurance broker is a SALESMAN first and a PROFESSIONAL ADVISER second. As a salesman or woman, he or she will try to get the most amount of money possible from a client, so that the COMMISSION they earn is as high as possible?

In some very limited cases you may be right, but this general misunderstanding is why the relationship between broker and client can be dysfunctional, with the client holding back exactly the information required to get the best deal.

Every professional understands that the best way to GAIN or RETAIN a client is to give them the best cover at the lowest price! For brokers who work on fixed fees not commission, this is even more obvious. If I can find you a lower premium then there might be room for a slightly bigger fee,

The client saves money overall, the broker earns a bit more, everyone wins!

This week I will be helping nice people save money, whilst making sure they have the very best cover they can afford and that it is always adequate for their needs.

This week I’m dealing with:

  • A commercial tyre fitters
  • A bathroom and kitchen company
  • A decorating contractor
  • And a Security Company

All very nice people who will get the very best service I can offer, the best cover that is available and a very competitive price

Business Women

Business women make a huge contribution to the economy

Have a great week


It all starts at home!

And it doesn’t have to be complicated

Whenever I have had to train new entrants into the world of insurance, we always start with a basic household policy. It is the simplest form of policy for damage to property.

If I can get a new team member to understand the cover provided, they can move on and understand more complex forms of cover and more complicated products like package shop, office and property policies, before moving on to more complicated commercial combined policies, where you choose what you want from an array of possibilities.

So, what is the basic structure and cover in a household policy?

It has all the sections you might expect in any policy, they generally are detailed in the contents and are:

  1. General information including identity of insurer
  2. Cancellation rights
  3. Definitions of words in the policy where it is relevant
  4. Cover sections
    1. Buildings
    2. Contents
    3. Personal portable possessions
    4. Legal expenses
    5. Third party liability
  5. Conditions applying to the whole policy
  6. Exclusions applying t the whole of the policy
  7. Complaints procedure
  8. Making a claim

Understand the structure of this basic household policy and you understand the structure of most insurance policies you will come across, personal or commercial. You will also get a good understanding of the perils that are covered under any policy giving cover for damage to property, the extent of cover for liability to others and the scope of legal expenses cover.

Obviously the detail will be different for different types of policy, but the structure and basic cover will be the same, understand this and you wont go far wrong #becauseaccidentshappen to nice people all the time.

Have a great day.


Spring design


Client and advisor

An invisible benefit?

I can’t touch it, feel it or see it?

Insurance is known as a, ”Risk Transfer Mechanism” that means that for a defined financial loss (The Premium) you transfer a much bigger, but uncertain financial loss to someone else (The Insurer).

When arranged internationally the industry contributes to what are called “Invisible Exports” as part of our gross domestic product, (The size of our economy) and it is this characteristic that sometimes leads to uncertainty when bought by individuals and businesses in the UK.

In essence you are handing over money for something you can’t see, touch or feel, other than some paperwork. You are trusting that when you need the benefit of the insurance, there is no misunderstanding, and it operates as expected.

Now I’ve come across situations where the customer was disappointed in a claim situation, mostly when they bought direct, often over the internet. There was no advice about suitability from an independent adviser and whilst they had expectations about what was covered, what was not covered was not explained.

The client was left to read highly technical documents in detail and that was never going to happen. Even if they had they probably would not have understood the implications of 40 pages of policy wording. That is why you need a professional broker, who operates in an #openhonesttransparent manner.

When you buy a “Promise” you need to trust the person who sells you that promise and you need to trust that they understand what you want, the environment in which you make that purchase and the risks that you face and maybe even some you hadn’t thought about.

Its all about trust, and you can only get that from a professional, highly qualified advisor.

It’s likely to cost far less than you think and the quality of support in all circumstances is exactly what you need if the worst happens, #becauseaccidentshappen to nice people all the time.

If you want to see how that works and what it costs, then just drop me a line, for a completely no obligation chat. You never know you might learn something of value, in fact I can almost guarantee it.

Have a great day

Client and advisor

Good advice is essential in business


There is only one right way to do this!

Wish it were so!

It’s frustrating when we find clients who have purchased insurance from another provider or broker, and the product they have bought does not meet their needs, #becauseaccidentshappen to nice people all the time.

Whether that is because the provider didn’t understand their business, or the client didn’t explain what they do or what they needed properly, either way it’s the providers fault, they should conduct a detailed fact find so they understand what the client does, so they can advise them correctly.

Under the Insurance ACT 2015 this duty is clearly established. Clients have a duty to disclose anything that they can reasonably assume is relevant, but providers and brokers have an absolute and higher duty of care to “Find Out” what they know might be relevant, that a client wouldn’t necessarily know.

This is a skill taught to all our staff and honed through experience in the real world. Its’ one we exercise day in and day out on behalf of our clients and we are proud of the care that we show them. All clients receive the same duty of care. The small ones are less complicated and sophisticated, the larger ones just need more time and so pay higher fees, so our service is #openhonesttransparent.

This week I will be dealing with:

  • A property management company that requires liability cover for a piece of land
  • A security company
  • A client that needs a deferred VAT Bond
  • A company that imports clothing
  • And a fishing lake in Mid-Wales.

All require different solutions, but we will make sure we understand their individual needs and design solutions specifically for them.

Have a great week.


It’s not complicated, is it?

If you have a legal matter to resolve, you call a solicitor or a barrister. If you need your accounts prepared or audited, you get an accountant and if you want a building surveyed, designed and built you call a chartered surveyor and an architect.

Why, because you generally understand that there are complicated matters that require, the professional attention of those qualified people. What do they all have in common? They have professional registered bodies and they are in a highly regulated industry, with important protections in place for consumers.

So why on earth would you buy complex insurance and financial products direct from an insurer, where there is absolutely no advice about suitability, and ultimately very little protection for you as a consumer if a situation arises where the insurance does not do what you expected it to do?

Insurance brokers are highly regulated and qualified by one of the oldest professional bodies in the United Kingdom, the Chartered Insurance Institute.

The regulatory regime ensures that there is a very high level of protection for consumers and that transactions are completed in a compliant manner with full disclosure of information. Advice is at the forefront of the service, so that suitability and efficacy are almost guaranteed.

In addition there is a whole host of referral processes for dispute resolution, including recourse to the Insurance Ombudsman if necessary and the Financial Compensation Scheme should a provider go bust, during any claim process, before settlement.

So once again I ask, why would you buy direct?

Oh, it’s cheaper?

Well, I’m glad to tell you that apart from Car, Pet and Travel insurance, nothing could be further from the truth. A good broker will approach multiple insurers to find the best fit and the best value for you.

Its no good buying a cheap policy, if it turns out to be just a very expensive piece of paper, which is of little worth when you need it to respond.

Next time at least ask a broker to find out what the difference is between buying direct and taking professional advice. I doubt you will be disappointed.

Want to know more just call the office on 029 20 470 375 or email

Have a great day


Man and woman


Not boring at all

The possibilities are endless!

You think insurance is boring, well it is!

We seldom sit down and read policy wordings, endorsements, warranties, clauses or conditions, unless we have to and then of course we do, but what has kept me fascinated for the last 40 years is the people, their businesses and their situations.

One minute you’re dealing with a single site retail shop, then professional negligence for a legal firm in London and then your immediately thrown into a multi-site manufacturing operation, with all the complexity that involves, including:

  • Damage to buildings, stock, equipment and machinery
  • Business Interruption
  • Liabilities
  • Money
  • Goods in Transit
  • Engineering risks
  • Marine Cargo
  • Fleet Insurance
  • Cyber

The range of work we do at Severn Bay is endlessly fascinating, at the moment I’m working on solutions for an importer of high-end gifts, a registered charity that advices disabled people on adaptations for their vehicles, a manufacturer of children’s sunscreen products, liability for a piece of derelict land, a building company and a security firm, #becauseaccidentshappen to nice people all the time.

The range of work we do at Severn Bay is very wide and I like to think that after 40 years we’ve seen just about everything there is to see, but I’d love to find something I haven’t. That’s when I learn the most.

The challenge is on, but I know we are up for it and should be able to sort any situation to the client’s satisfaction in a completely #openhonesttransparent manner.


Not boring at all

Its boring we arent bored