Working With Us

Our process starts with a thorough understanding of your business.
Only through understanding the issues and subtleties involved can we meet our two key purposes:

• To present you with all the options available to you to ensure there are no ‘gaps’ in your protection and no expensive overlaps
• To ensure that we know exactly what it is we are demanding from our panel of underwriters and to present those needs in the most attractive manner.

In effect we are selling your desirability as a ‘risk’.

We will assemble, with your assistance, complete details of all your insurable interests.

For example all properties (land, buildings, equipment, vehicles, fitouts, electronics, improvements, stock and crops); trading operations (sole trading entities, joint ventures, minority stakes and proposals); stakeholders and officeholders (directors, executives, managers, trustees and positions of trust); to ensure that every aspect of the company’s day-to-day existence is appropriately and adequately protected.
In every case we seek to minimise the amount of time and trouble insurance takes, to leave you free to concentrate on your business while we concentrate on ours.

Our objective is to ensure that every risk the company faces is comprehensively protected - and thus, that your reputation is likewise secured.

Then We Analyse

We take stock of every aspect of your business; we assess the adequacy or otherwise of your current risk management procedures; the level of cover that’s actually necessary (not just what’s available); and when insurance and risk management are not the relevant tools we’ll tell you.
We see ourselves as representing your best interests. We have nothing to gain by selling you insurance you don’t need. Our people are paid a salary to work for you - not commission to work for the insurance company.

Typically, corporate analyses reveal issues regarding risk, over and under insurance (both of which cost you money), opportunities for economies and social aspects such as Health & Safety and Environmental factors.

For many of our major clients we have developed our relationships to the point of being able to anticipate their requirements and give the advice needed to ensure they can indeed “financially survive any insurable event.”

Remuneration

Our remuneration is principally by way of brokerage from insurers with whom we place your portfolio. All levels of brokerage are standard. This ensures we put your interests first and keeps our integrity intact.

This method of remuneration is generally the fairest. When covers are added or increased so generally does our workload and responsibility, and commensurately our income. Vice versa, when covers are removed or reduced our income reduces accordingly.

Premiums are usually paid annually in advance. We can also arrange monthly or quarterly payments.

The potential cost of a poorly designed and managed insurance programme could be devastating, both financially and in terms of reputation and standing.

The open manner in which we negotiate our remuneration agreements is a reflection of our belief in mutual trust.