“Mr W owned a mixed-use, multi unit commercial and residential property across 3 floors. The property insurance renewal was due and he was not happy with the quotes from his incumbent broker. He had asked us to provide a comparable quote.
Whilst checking the Statement of Facts (SOF), it came to our attention that certain elements were incorrect namely the property had 100% flat roof (the SOF stated tiled roof) and the floor construction was timber (the SOF stated concrete) which could have affected any future claim. When these were highlighted to the existing broker, the renewal premium increased dramatically. However, we managed to source an appropriate ‘A’ rated insurer who offered terms at a lower premium based on the correct stated facts. Within a couple of months of taking the policy there was a leak from one of the flats on the 3rd floor which damaged commercial units below. Mr W reported the claim to the insurers and the entire repair costs was cover by the insurers without issue.
Mr W was delighted not only with the competitive premium he had paid, but how professionally the entire claims process had been handled by the insurers. “

“Mr T had been quoted high premiums for his home insurance due to the amount of jewellery he required cover for (over £75k) and specifically because some items were stored in a safe deposit locker. He had contacted several providers and they had all quoted specific limits on valuables cover, and some did not cover jewellery held in a safe deposit/bank safe. We investigated on behalf of Mr T and found a suitable policy. We managed to source a bespoke policy to cover Mr T’s requirement, where any single item of jewellery under £5k did not have to be specified. Furthermore the policy included cover for valuables in the safe deposit locker up to £50k.”

“Mrs K owned a pharmaceutical wholesaling business. She was struggling to find the suitable insurance as their offices were located in a multi tenanted office blockwhere where they also stored part of the medicine stock.
Additionally, once a year they participated in a trade exhibition in Dubai which they wanted to include within the policy. Most insurers they approached declined to quote due to the nature of the business, its location, level of stock and security provisions at the premises. We investigated on behalf of Mrs K and found a suitable policy. We managed to source a bespoke policy which covered the business liability, stock (office and warehouse), goods in transit, money, legal costs and general contents (including specific high-risk stock). Furthermore the policy included the exhibition in Dubai. Mrs K was exceptionally happy and could get on with managing the business and planning for the trade show! “

“Mr M had recently started a Limited Company for his CCTV & security systems business, having being self-employed in the profession for several years. As they had contracts for schools and shopping malls, they were required to have cover for £10M Public & Employer’s Liability, along wit stock, computers and laptops, tools and contract works. In addition, they also designed and advised on bespoke security systems for which they needed Professional Indemnity insurance. After conducting our research, we were able to recommend an insurer that was able to provide an all in one policy. Mr M was happy to be a fully insured and compliant business with the relevant certificates which he often had to present before clients would commit to work being signed off. “

“A freight forwarding and haulage company contacted us for a motor fleet insurance quote after their renewal was declined.
They had a history of claims (including 3 thefts) and several drivers under the age of 25, of which two had points on their license. After speaking to various specialist insurers, we were able to source an appropriate insurer that could cater to all the clients specific needs and circumstances. The insurer’s only requirement was that trackers must be fitted to all the vehicles and the current white transit vans would need to be wrapped and branded with the company logo. The client was happy to comply with the requests and was pleased that they could continue to operate. “

“B Ltd. operated a residential and commercial building company. Their main business was in mid to high-end home and office refurbishment.
As a consequence they regularly entered into JCT contracts and needed to have a Contractors All Risk Policy as a part of the agreement along with the liability and tools insurance for the business. They were also required to have insurance cover for jobs that they undertook. We discussed specific requirements and parameters with B Ltd and were able to find a suitable policy. We sourced a comprehensive and competitive insurer catering to their specific requirements.”