Insurance Broking Services

Think of an insurance broker as your dedicated, independent partner in risk and advocacy. We act solely for you, not the insurers. Our job, which is the very essence of insurance broking, is to cut through the complexity, sourcing and negotiating with multiple providers to design a policy that perfectly fits your specific business needs. We advocate for the best possible coverage and terms, ensuring you get maximum protection and value for your investment.

Think of an insurance broker as your dedicated, independent partner in risk. We act solely for you, not the insurers. We are your advocate. We start by deeply assessing your unique insurance needs and business risks. We then research and compare policies from a wide range of insurers, presenting you with the most effective and cost-efficient coverage options available. 

Beyond just placing your policy, we provide objective, client-centric advice, assist with the entire claims process, and offer ongoing support. From policy reviews and adjustments to crucial risk management consultation, we keep you protected as your business evolves.

The right insurance is unique to your business, industry, operations, and risk profile. Our insurance broking service focuses on finding the perfect fit. Common options include:

• Public Liability Insurance: Protection against injury or property damage claims.
• Professional Indemnity Insurance: Critical for businesses providing advice or services.
• Business Package Insurance: Covers your assets, contents, theft, and fire damage.
• Specialised Covers: Including Management Liability, Cyber Insurance, Machinery Breakdown, Goods in Transit, and other covers tailored to your sector (e.g., construction, construction, farming, or director’s liability).

We don’t just sell policies; we conduct a thorough risk assessment as part of our insurance broking service to recommend the tailored combination of mandatory and optional coverages that truly secures your operation.

We guide you, every step of the way. To secure the most competitive and comprehensive policy options, we need a clear picture of your business. Our insurance broking team asks for details such as:

• Business Profile: Legal name, address, industry, employee count, and estimated annual turnover.
• Asset List: Details of your properties, equipment, vehicles, and stock value.
• Coverage Goals: Specific risks you are most concerned about (e.g., liability, property, cyber protection).
• Historical Data: Information on your previous insurance programs and claims history.

This list is not exhaustive, our expert insurance brokers will step you through your specific needs. Don’t forget, we’re here for you. The clearer the information you provide, the better we can find a solution for you.

Absolutely. Reviewing existing programs is our specialty. We perform a thorough risk assessment and gap analysis – examining policy wordings, limits, deductibles, and premiums – to check for underinsurance, overlaps, or inefficiencies. Our regular reviews ensure your current coverage remains perfectly aligned with your evolving business, new regulations, and market changes, helping to close gaps and reduce premiums where possible. Our first step is to get to know you and your business.

Yes, we are fully equipped to manage mid-term changes throughout your policy period, whether you need to amend cover, sums insured, update details following a change in business operations, or process endorsements. While most adjustments can be made at any time, as your insurance broking partner, we advise on the best timing for this to occur this can avoid extra steps or charges, typically aligning this with your renewal unless a business necessity dictates otherwise. We ensure all policy adjustments are correctly documented and communicated to insurers to maintain continuous, adequate cover.