Whether you are a new start-up or a well-established multi-million-pound company, we arrange cover for a wide variety of trades and occupations.
Business Insurance
Whether you are a Manufacturer, retailer, builder or contractor, or are a new start up or have been in business for many years, IFM select have probably arranged insurance cover for a company similar to yours.
We deal with a wide range of leading insurers for an even wider range of trades and can offer a huge variety of different policies tailored to meet your needs as a business.
We take time to understand your business, and whilst we strive to offer the very best value for money, we are not looking to just provide the cheapest cover. It must do what you need it to do!
We can include Public and Employers liability, Contractors ‘All Risks’, business interruption, Goods in transit and Marine insurance. There are very few business trades we haven’t insured over the years, so if you feel a second opinion would be a good idea, give us a call, we would be happy to have a chat.
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With capacity in certain areas of the insurance market being reduced, it’s more important than ever to work with an insurance broker who has access to insurers who are still able to recognise those businesses that have worked hard to reduce their risk through a professional approach to risk management.
If you are one of those businesses that feel your latest renewal premium doesn’t reflect the quality of your business then please give us a call.
Business Insurance
Business InsuranceA. Most insurance brokers will be able to discuss your exact requirements with you and recommend a suitable policy. There are literally hundreds of different insurance providers offering a vast number of different products. A professional broker will be able to discuss your needs and recommend a suitable policy that meets your needs. Very often a retail business can take advantage of a ‘package’ policy that will incorporate all the required covers you need under the one policy. Any specialist areas of cover can be identified and a policy tailored to your needs.
Buying a policy without professional advice can mean that you are responsible for ensuring the cover meets your needs, which can be very risky. Most professional brokers will not charge for any advice given or quotations provided and will look to provide the best value for money rather than just the cheapest policy.
A. There are literally hundreds of different insurance providers, and whilst the household names are well known there are equally good insurers who you may not know, but also some insurers that you should perhaps give very careful consideration to.
As a rule, we only use insurers who meet our financial security requirements and are UK based. It’s essential you know who the actual insurer is when thinking about taking out insurance, this isn’t the broker who arranges the cover, but the insurer who will be paying the claims. Check they have a solid financial rating, preferably ‘A’ or above, and if they are based outside the UK you should take this into considerations they may not be as strictly regulated in their domiciled country as they would be if they were UK based. A good insurance broker will clearly explain the pros and cons of the recommended insurer.
A. The UK insurance industry pays billions in claims every year and are a vital component of the economy ensuring thousands of businesses who have to make a claim can do so and ensure their business remains financially sound.
However, ‘cheap’ insurance can have consequences, and with the Financial Services Compensation Scheme, the organisation that pays claims for eligible claimants currently dealing with over 30 insurers who have gone in to administration in recent years, it’s very clearly not the case that all insurers are the same. Choose wisely, as buying from the wrong insurer could prove very costly indeed.
A. With advances in digital technology, we are now able to offer our clients an extremely cost effective way of assessing the rebuild cost for their properties for insurance purposes. This will produce a RICS approved valuation at a very affordable price. We offer this service, provided by one of our key partners, at ‘cost’ to our clients to ensure they have the best opportunity to avoid a potential claim reduction as a result of underinsurance. This service is available to the majority of residential and commercial properties in the UK with just a few specialist exceptions.