We work with thousands of clients, from small businesses to multinational organisations, helping them to protect their assets, staff, the public, directors, and shareholders.
We understand that your commercial insurance needs change as you grow, and sometimes, a change in cover can be needed quickly.
Commercial and corporate insurance cover can include protection against complex risks, and we work with our clients to ensure they have the relevant cover at the right price. We are NOT a call centre. We work hard to understand your business, your goals, your challenges and your culture.
Our high retention and referral rates are down to the value our clients place on the long-term relationships they build with our team, and the peace of mind that provides.
Off-the-shelf commercial packages could leave you exposed at the time you need it most – when a claim occurs. We can create a bespoke solution to fit your budget and requirements.
We have access to a wide range of insurance companies, including specialist markets, placing local and multinational insurance programmes, and we work with reputable insurers who offer wide policy wordings and provide an excellent claims service.
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We provide protection for many business types including:
Whether single outlet or chains; we are able to source the appropriate commercial insurance for your business needs.
Tailored policies can include cover such as:
Buildings & Contents: reinstatement of either can be considerably more expensive than in previous years, and underinsurance could result in only a partial payout in the event of a claim.
Business Interruption: can protect against loss of income due to an unexpected event, such as fire, flood or some other unforeseen circumstances, including supply of goods or services.
Public and Products Liability: covers you if you or your employees are liable for injury to customers or the public, or for damaging their property as a result of your business activities.
Professional Indemnity: protects you against claims for loss or damage made by clients or third parties as a result of the impact of negligent services or advice you provided.
Directors and Officers: reimburses the costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing.
Motor Fleet: groups a number of vehicles (vans, trucks, minibuses, HGVs and cars) together under one policy, with a single renewal date for convenience.
Environmental Impairment Liability: provides coverage for loss or damages resulting from unexpected releases of pollutants typically excluded in general liability and property insurance policies.
Cyber: covers the losses relating to damage or loss of information from IT systems and networks from an unauthorised IT system access, electronic attack, or privacy breach.
Credit Insurance: cover against the risk of businesses not being paid for goods or services that they sell, or buy, (if on a pro forma).
Healthcare: cover could include private medical insurance for individuals or groups, income protection, life assurance, critical illness or key person protection.
Small Business Insurance
We understand the unique challenges faced by small businesses, sole traders and family-owned businesses. Naturally, price is important when obtaining cover, as is compliance for legally required commercial insurance. But equally, the business and you as owner-managers need to be fully protected against accidents, staff or product negligence. The domino effect of an incident or situation, even if it’s not your fault, could still have a significant effect on your income, reputation or even the existence of your business.
We also understand that when you set up a small business, you don’t do it to spend time becoming an insurance expert. Which is why we have a specialist small business division experienced in catering to the needs and challenges unique to these kinds of businesses.
Why Choose Us?
Our clients tell us there are many benefits to working with us:
Expertise
The commercial insurance team, headed up by our Technical Broking Director Carolyn Bridges and our Commercial Director Hiek Sarkissian, stands at almost 20 administrators, account handlers and account executives, and continues to grow. We have vast amounts of retained knowledge within the team so are quick to understand a client’s needs and which insurers would be best placed to secure the right cover for those needs. We’ve developed excellent relationships with insurers over almost 50 years, which can bring all manner of benefits for clients in terms of negotiating and speed of response.
Relationships
Our clients repeatedly tell us that one of the biggest benefits of working with us is the relationship they have with their dedicated contacts at C&C; which can often include client visits. At the risk of repeating ourselves, we’re NOT a call centre! We take the time to really understand our clients, their business, and the specific market they operate in. Having this consistency of contact means clients avoid that starting at square one feeling when it comes to renewals or initiating a claim.
In-House Claims Team
Should the worst happen and you need to make a claim on your commercial insurance, our in-house claims team will be with you every step of the way. In fact, they take the lead on the process and manage as much interaction with insurers and loss adjusters as possible. They can challenge, chase up, and champion your case all on your behalf. Having our team in your corner at such a difficult time brings immense peace of mind to our clients.
Our in-house risk management team can also assess your business exposures and assist to reduce your risk, which in turn, can enhance your relationships and reputation with insurers.
CALL US TO TALK TO OUR SPECIALIST COMMERCIAL TEAM
ON 0161 406 4800
