Insurance but different

I can guarantee that I will reduce your spend on insurance.

I will take a fee for my services, in proportion to what I save, so the more I save, the better off you will be and the better off I will be.

You have nothing to lose.

You do not need to place your insurances with me, if your existing relationship with your current insurance broker is sound, but you may find that after I have completed the exercise that you do wish to use me as your preferred supplier and advisor.

I would repeat that there is no requirement for you to do this and I am at ease working with your current arrangements and still save you money.

At the same time as I save you money, I will produce a detailed analysis of the risks your business faces and how to use insurance or an alternative means to address these.

I am confident of my ability and have a track-record of performing the same tasks for my existing portfolio of clients and non-clients who have benefitted from my advice.

I qualified as an associate of the insurance institute in 1991 and became a Chartered insurance practitioner in 1995.

Qualifications are no more than pieces of paper, but it is in applying the knowledge gained from many years of a wide range of corporate enterprises that has given me the edge over my competitors.

I am straight talking and will provide unbiased advice on how best to resolve the question of insurance; often a large and seen as necessary evil to many.

Insurance is this, but much more and it is knowing how to make the benefits the cover provides work for you that will help your business and put you in a stronger position going forward.

As I said, you can us me a one-off service to reduce your spend, take the advice on offer and remain where you are, or you can use me again the next year, if you are not certain if your current broker is performing as they should

I know that you receive many calls each year from insurance brokers, agents and cold-callers trying to persuade you that their brokerage is in the best position to save you money and look after your every need.

I am not promising that, unless that is the conclusion you come to after I carried out my review, saved you money and arranged increased benefits for you and your organisation.

I would add that I will save you a great deal of time and wasted energy dealing with the insurance brokerages and sales companies touting for your business going forward as all you need do is to say that you have our portfolio of insurance reviewed annually by an insurance consultant and have no desire to change your working practices at this time.

I have come to the conclusion to offer this to you and organisations like yours, as I do not feel that the current insurance model is working to anyone’s advantage.

We are all chasing the same pound, when we should be concentrating on providing the best service to you. That service should, in my eyes, include arranging the best cover for you to suit your actual requirements, not what your broker can convince you is what you need.

I have often said to my clients – there is a policy you could take out that would provide you with such and such cover but do you really need it? Well the simple answer is often No, they do not.

When it comes to the end of your meeting with your current broker, do they run down a list of add-ons and cross-sells to see if they can squeeze an extra sale out of you?

I am sure the answer is Yes.

I am even more sure that if the requirement for that cover was there in the first place and trust me there is nothing new or exciting in insurance that has not been considered before, then they would have said at the beginning of the meeting, “Hey before we go any further, the item at the top of the agenda is Directors and Officers Insurance or Legal Expenses insurance”.

It doesn’t happen.

I will give you the ability to assess your broker by what they have done for you and what they should have done for you. And at the same time save you money.

I am sure that some insurance brokers do a great job. Alas, I know that quite a few rely on being ‘friends’ with the client, established an ‘unquestioning’ relationship, on being able to smooth over the poor claims service here and there. Some are complacent, some are, to be blunt, not up to speed; not aware of the risks that a business faces and lack the ability to assess this and fit a package of insurance covers and risk management to match the risks.

If that person is you and you are not sure; not 100% sure that everything is in place as it should be, or not sure if the price you paid last year was inflated by high commissions and the broker has blindly relied on the same policy as last year and not completed a full fact find and proper assessment of your business, then contact me.