BUSINESS INSURANCE AND RELATED MATTERS
Good risk management is the single most important influence on risk profiling so our input and support with your insurance costs and renewals will considerably enhance your profile with underwriters and will reduce your costs. Our unique approach and experience with insurance will provide you with unrivalled knowledge and experience of insurance policy terms, warranties and conditions: the dreaded small print!
Few insurance “experts” actually spend any real time within the business operation most don’t understand it. In fact many insurance advisers leave clients alone and exposed to deal with surveys and post loss investigations by Insurers. We will work with you and offer real support in these matters. Having your risk management consultant on site with your insurance company when they need to inspect visit or survey will protect the business and complete the circle.
Brokers in particular generally will offer little if any relevant advice relating to how the operational activities in your business actually match or “fit” the insurance policy wording. These obligations are usually passed over to the business to ensure that the risk as it operates is as it is insured so there is often little if any constructive ongoing advice.
When the inevitable claim does occur more often than not there is a problem and conflict with the terms of cover. Be in no doubt that if insurers can avoid paying any claim because of a breach in terms or warranties they will do just that. Everyone has heard horror stories about claims not being met and refused because the circumstances of the loss weren’t included or covered! We want to work with your business to make every possible effort to ensure this doesn’t happen.
Few insurance “experts” actually spend any real time within the business operation most don’t understand it. In fact many insurance advisers leave clients alone and exposed to deal with surveys and post loss investigations by Insurers. We will work with you and offer real support in these matters. Having your risk management consultant on site with your insurance company when they need to inspect visit or survey will protect the business and complete the circle.
Brokers in particular generally will offer little if any relevant advice relating to how the operational activities in your business actually match or “fit” the insurance policy wording. These obligations are usually passed over to the business to ensure that the risk as it operates is as it is insured so there is often little if any constructive ongoing advice.
When the inevitable claim does occur more often than not there is a problem and conflict with the terms of cover. Be in no doubt that if insurers can avoid paying any claim because of a breach in terms or warranties they will do just that. Everyone has heard horror stories about claims not being met and refused because the circumstances of the loss weren’t included or covered! We want to work with your business to make every possible effort to ensure this doesn’t happen.
