Frequently asked questions
Straight answers to the questions we are asked most.
If a question relevant to your circumstances is not addressed here, the office is available to answer it directly.
- What does an insurance broker do?
- A broker acts for the client rather than the insurer. The role covers identifying exposures, approaching the market, comparing terms, explaining wording, arranging cover and assisting with claims.
- Are you tied to particular insurers?
- No. We are independent and approach the insurers appropriate to each risk. Where a market relationship exists, it is disclosed.
- How is the brokerage paid?
- Either by commission paid by the insurer or by a fee agreed with the client. The basis is disclosed before placement and on request at any time.
- Can you review an existing programme?
- Yes. A review compares current wordings, limits and deductibles against the exposures we identify, and sets out any gaps or duplication in writing.
- What information is needed to obtain terms?
- Typically business activity, turnover, headcount, claims history for the past five years, asset values and copies of current policy schedules and wordings.
- How long does placement take?
- Straightforward risks can be placed within days. Complex or layered programmes generally require several weeks, particularly where surveys or underwriter meetings are involved.
- What happens at claim time?
- We assist with notification, documentation and correspondence with the insurer or loss adjuster, and advocate on coverage where a position is disputed.
- Do you provide advice on my specific policy through this website?
- No. The site is general information only. Advice on a particular policy or circumstance is given directly, in writing, once we have reviewed the relevant documents.