The Commercial Insurance division specialises in insurance for commerce and
industry. Each programme is tailored to a clients needs and great care is
taken to constantly review the scope of covers taken. However, Brett &
Randall are not just insurance brokers. We bring active risk management to
all our clients to help minimise or eradicate risks understanding that
Insurance cover is only a part of the wider picture. Our knowledge and
expertise provide assistance to our clients in so many ways, we have an
overall commercial awareness and network that is difficult to quantify.
What you will always get is our best.
Insurance is a known cost - the premium; however the only classes of cover
that are required by law are Employers Liability and Motor Insurance, all
other classes being optional. It is our job to get to know your firm
properly so that we can identify and assess the risks that you are running.
We then quantify those risks into two broad categories; Catastrophe risks
and Economic risks.
Catastrophe risks are those risks which, if such an incident occurred, would
cause severe financial hardship for you or even put the company in jeopardy.
These risks need to be identified and insured as widely as possible and at
the most competitive price available, commensurate with value for money.
(All our insurers are rated by us every 6 months for service delivery and
attitude towards claims, which we feel is of paramount importance)
Economic risks are those risks that a company runs which would not be
terminal but which you need to take a view on, either carrying the risk
yourself, mindful of the financial implications, or laying off some or all
of the risk to insurers. The required premiums play a large part in this
decision process.
Either way, all our clients will make decisions on their Insurance
requirements based upon considered opinion rather than by default.
