Right here right now?
Prior to the COVID-19 pandemic, a number of factors were impacting the market conditions facing the insurance industry. In simple terms, the demand for insurance is at a high and the supply of insurance is struggling to meet that demand. The market has no chance of making any money in 2020.
Organisations are complex and COVID-19 has added to that complexity. This is a first, a situation not experienced by the world before. Therefore, it hadn’t been planned for and by the time it did happen it was too late.
We can’t predict the future, but we do need to make sense of it in order to thrive.
Why does COVID-19 demonstrate that the insurance broker you choose is important?
Your choice of insurance broker is an important decision. Never more so than now as the cost of commercial insurance as a percentage of turnover is on the rise, as is the speed at which some insurers are restricting covers and who they wish to insure. For insurance buyers and indeed sellers, we are at a moment in time that hasn’t been seen since 9/11 and the demise of Independent Insurance in the UK. There is a whole generation of insurer and broker staff and customers, who have not experienced rising prices. Couple that with the fact that insurance models are pretty static and simple and it means buyers don’t have too much choice in how to use them. Model first, customer second – right here right now.
“By establishing relationships around risk we are able to represent companies around how they are, rather than what they were”
Over the years we’ve built strong relationships with insurers. We evaluate established providers and new ones too. Because we’re an independent broker, our market access means we can offer considered advice for the circumstances our customers are in. Right here right now that is going to mean us understanding the difficult decisions our customers are having to face. Affordability is going to be a key factor. Some will have to forego some covers or look to self-insurance. Business critical covers will have to be purchased and we need to be able to make sense of what is appropriate.
What can you expect from us?
We are committed to having highly satisfied customers. To do anything else is unthinkable. This means having trust that we do the right things and in the right way. We are more than an insurance broker to many of our customers. We are often the first call that is made on risk issues. The one thing we guarantee is not to be indifferent to our customers – big or small.
Here are some of the reasons our customers tell us why they stay with us.
We’ve got your best interests at heart
We exist to look after your insurance needs. We work with insurers, not for them, so when we’re negotiating with them, it’s your needs we focus on. Our objective is to make sure you have the right cover at the best price we can get.
We can usually get you a better deal
Because we’ve built up strong relationships with insurers over the years we can usually get you a more competitive deal than you would be able to arrange yourself. It’s our business to understand insurance needs, avoid pitfalls and underinsurance.
We’re trained to match the right policy to individual customer’s needs, and not to underinsure. This benefits the insurer because it helps to avoid unnecessary claims while maintaining the correct premium income. What this means is that risks presented by a broker are lower than those direct from customers, so insurers are more likely to give better prices to the customers of brokers.
We save you time and frustration
We have the knowledge, expertise and access to find the right insurance provider and product for you. There’s no need for you to spend the time or endure the hassle of endlessly trawling the internet looking for what might or might not be the best deal. Let us do the legwork for you so you can save yourself the time and get on with what you need to do.
We’ll give you expert advice that you can trust and rely on – and it won’t cost you anything to get that advice.
Insurance can be complicated. Why take the risk in trying to buy direct and potentially missing a critical cover? We ensure that you make conscious buying decisions and understand the scale and scope of what you have bought and how it operates. You’ll benefit from having one of our experts working on your behalf, who will act as an impartial middleman between you and the big insurance companies. We do not charge customers for advice and quotations.
Always speak to the same person – it’s personal
When you come to us and trust us with your insurance needs, we’ll allocate a member of our team to look after you. And then, each time you get in touch, you’ll be able to speak to that named contact. That way, you’ll get to know them and they’ll get to know you. We think it works better that way.
It frustrates most of us when you feel as though you’re being passed from pillar to post in a large organisation. We know who our customers are and we don’t forget to keep focusing on that.
If you need to make a claim, we’ll be there to support you
The moment you need to make a claim is the moment you fully understand the value of your insurance. This can be a stressful experience, especially if you haven’t done it before.
But don’t worry. We won’t leave you on your own at this time. We have a dedicated claims team who will be with you throughout the process, guiding and supporting you every step of the way, until the claim has been settled.
Not all brokers have a dedicated claims team, but we believe it’s one of the most important aspects of our role as your broker.
We’re your local friendly broker
We strongly believe in the value of personal service. We take the time to get to know you and your business. We have proper conversations and build meaningful relationships. We’re in this together, a partnership.
- Trusted, professional expertise
- The best price available
- Friendly, immediately available individual help followed up with excellent on-going customer service
- A quick, flexible and straightforward process
You can find out more about what our customers think about us by reading the testimonials on our website – these are from all sorts of customers, personal and business, big and small.