Covers To Insure

We review your coverage prior to inception and subsequent detailed Annual and Six Monthly Reports and Reviews, which are discussed in detail with you, your Financial Director and Board as appropriate.

Basic Principals

The basic principals will apply to assess your Physical and Financial Risks, compare the need for protection to the hazards involved with the cost of protection.

We also consider that the best way to provide this protection for your requirements in view of your own financial strength to withstand a certain level of "Self Insurance" , (providing at all times that this is cost effective).

Our basic view is that your insurances should be designed to meet your needs and should not be driven by the Insurance Industry’s standard products.

The Main Risks

Physical Assets Loss or Damage to your Buildings, Plant, Stock, Computers, Vehicles and all other assets. We review the values / replacement costs with you and the likely cause of losses, e.g., Fire, Theft, Accidental Damage and Terrorism, etc. This includes at your own premises as well as in transit and other locations. Human Assets Protection to your Directors and Staff to "Key" Personnel Life Assurance, Travel Insurance, Personal Accident, Disability Covers, Salary and Profit Protection. Financial Risks We advise on the financial risks to which you are susceptible from Theft by Employees, Fidelity guarantee, Computer Frauds, Customs & Excise Bonds, Loss of Money, Product Recall, Terrorism, Blackmail and General Protection to your Brands, Legal Expenses, Book Debts, etc. Credit Insurance Liabilities To protect you for your Liabilities to other parties, be they Employees, Public/ Products Liabilities assumed under Contract (e.g. Leases, Acquisitions, Warranties and Indemnities, etc.), Directors and Officers Liabilities (Company Acts), Pension Trustees, etc. Professional Indemnity, Errors and Omissions. Special Risks / Contingencies / Consultancy We work with you to consider any Special Risks and Contingencies requiring special covers and protections - these can be as diverse as Kidnap and Ransom to failure of basic Raw Material Supplies. This includes consultancy services to comply with health and safety at work legislation, employment law, bonds and guarantees. Engineering and inspection.

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To obtain more details on any of our services please complete the Response Form and we will contact you to discuss your personal requirements.