Protecting your business assets is a key part of any transfer or risk from you to an insurer. Cover is usually arranged on an All Risks basis and includes insurance protection for such items as Theft and Accidental Damage.
Not only will we help you to find the right insurance protection but we believe that preventing accidents has both human and financial benefit. Insurance is a method to transfer your risks to another party but there are still exposures which remain uninsured such as the management time spent in dealing with the aftermath of accidents. Good Risk Management practices help to prevent accidents or to mitigate the cost of those that, unfortunately, still do occur.
Working in conjunction with selected insurers or specialist independent companies we can access resources to address exposures such as Fire Protection, Business Continuity and Security and assist you in putting together an appropriate Risk Management programme.
Having a proven, good Risk Management culture not only protects your business but also helps to keep down the cost of insurance. Our aim is to help you avoid any claims which will disrupt your business and in addition to specialist local companies with whom we work, many of our insurer partners offer risk management tools at either no charge or discounted prices.
In the event of certain types of claim, such as a Fire, Flood or Business Interruption, insurers will often appoint a Loss Adjustor. Although they are bound by professional standards to treat the customer fairly, the Loss Adjustors are generally working on behalf of the Insurer. It can, therefore, be beneficial to appoint a Loss Assessor who will act on your behalf.
Even though you are responsible for the costs of employing such Loss Assessors the financial benefits can be significant on large or complex claims. We will work with you to appoint the most appropriate Loss Assessor.