We believe it is possible to improve on every aspect of the insurance lifecycle, and understanding where and how is the driving force behind our risk managed commercial products.
Take risk assessment. We have a team that works solely for the business, surveying at least 90% of cases we write either pre or post inception.
Why does that matter? Because by assessing and managing risk, customers and brokers can make decisions that will protect and enhance profitable operations.
This is just one aspect of our commitment to brokers, helping them to win and retain business and create working relationships that stand the test of time. And it encompasses claims too.
In times of need, a customer’s experience of claims management is crucial and so we believe that our service should prove second to none. It’s why we manage claims in-house, with a dedicated team of professionals and why our team has the ability to investigate and settle claims without unnecessarily burdening customers with excessive paperwork.
By keeping our offering flexible, fair and effective, we believe that that brokers and clients will benefit at every stage.
Our one quote strategy: An exclusive advantage
We only partner with brokers who offer something more than standard risk transfer as we believe this is where real value for clients begins.
By limiting our agency base, we are better equipped to provide all our brokers with first-class service and support their plans for growth. It is also why we operate with a one quote strategy, offering terms to one broker nationally and with exclusivity of the quote resting with the broker, not the client.
It gives our brokers a competitive advantage but our efforts don’t stop there. Our wordings incorporate the latest thinking and insights so our brokers get access to market-leading products.
Our Risk Control Team
It goes without saying that risk management is a cornerstone of our underwriting approach.
Our team of surveyors works across the UK with a simple goal in mind – no matter how complex the situation, we will create a technically accurate and realistic picture of risk so that contract certainty is attainable.
The team works with customers, brokers, underwriters and surveyors whenever there is a need to produce pre-cover, new business, periodic and post loss reports. Although we do not provide regulated advice, we are able to supply a separate risk improvement report and will support efforts to implement risk improvements.
Achieving positive outcomes in claims
If a claim is not managed well, it jeopardises working partnerships.
After all, should the worst happen, customers want a fair and swift resolution. We look to remove barriers, such as requests for information, by pro-actively gathering all relevant documentation as soon as possible so that the insured is free to get on with running their day-to-day business.
We focus on a realistic, prudent assessment of our ultimate liability so we can reach an accurate determination of premium for the benefit of policyholders. By adopting a flexible approach that allows us to look to pay claims promptly, we avoid the reputational damage that can occur if a claim is handled poorly and strengthen relationships between brokers and customers.
We work with service providers who are among the best in the market and who share our philosophy of a bespoke, flexible and pragmatic approach to claims handling.