PROFESSIONAL INDEMNITY INSURANCE BROKING AND ADVISORY SERVICES FOR SURVEYING FIRMS
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1 PROFESSIONAL INDEMNITY INSURANCE BROKING AND ADVISORY SERVICES FOR SURVEYING FIRMS
2 CONTENTS Professional Indemnity (PI) insurance market update Efficient insurance buying Why choose Howden for PI? Howden claims handling Testimonials About Howden Broking Group Contact us 1
3 PII MARKET UPDATE It s still all about valuations for lending Significant decline in new notifications BUT Insurers still settling claims arising from work undertaken in Insurer appetite for firms that have done valuations for lending remains limited PI rate for valuations for lending typically at between 5% and 15% of income (occasionally more), depending on claims history Long standing insurers to the sector pushing hard for rate rises (or declining to renew) but aggressive new insurers entering the market For all other surveying work, PI insurance is priced extremely competitively 2
4 32m vs 43m Settlement awarded in the Titan vs. Colliers claim vs. total primary premium income generated by insurers from RICS regulated firms PII rate for a highly distressed surveying firm Estimated total premium income generated by RICS regulated firms vs Estimated total settlements in resi S&V cases 70m vs 500m+ Settlement amount + legal fees in a resi. S&V claim 40k + 70k 25p for every 1 of income Premium income to insurers fallen by 30% since 2005
5 PI MARKET UPDATE Insurers perceptions of different surveying disciplines Source: Howden internal data as at February 2015 High risk Low risk
6 PI MARKET UPDATE Recent case law and important events Leave to appeal granted in Titan Europe plc v Colliers International UK plc (in liquidation) Duty of care when preparing a valuation report Freemont (Denbigh) Ltd v Knight Frank LLP (2014) Effective use of Liability Caps and evidence of growing acceptance by client Effective use of Net Contribution Clauses West v Finlay 2014 Personal liability - Matthews v Ashdown Lyons and Maldoom Changes to CDM regulations Dr Oonagh McDonald s report, Balancing Risk and Reward followed by the work of the RICS Cross sectors group. Will recommendations result in change? Evidence of strong support for increased use of ADR in residential valuation claims under 100,000
7 PI MARKET UPDATE Future areas of concern to insurers Return to the practices of the boom years too many instructions in one day for too little money Insufficient due diligence on new clients, particularly new lenders Firms taking on new areas of work without fully understanding the exposures or having prior experience of the work Claims arising from use of new technologies, particularly relating to Green Construction Financial stability of, and insurance coverage for sub-contractors Impact of Assisted First Time Buyer and other Government Incentives on ability to accurately assess property value Cyber Liability particularly for firms holding large amounts of personal data on clients and/or tenants
8 EFFICIENT INSURANCE BUYING Start the process early at least six weeks ahead of renewal Your proposal form represents your business; does it represent it well and is it accurate? Ensure the person in charge of buying insurance understands how to run the process Report your claims history accurately and fully and demonstrate the steps you have taken to prevent re-occurrence Does your broker understand what you do and how you do it? If your premium is over 20,000 don t ask more than three brokers to quote Concentrate on improving risk management and ensure that risk management policies are reflected in your proposal form Ensure your broker and insurer have a strong claims team it s not just about premium Ensure you understand what your policy covers
9 WHY CHOOSE HOWDEN FOR PI? WHAT MAKES US DIFFERENT AND WHAT DOES IT MEAN FOR YOUR BUSINESS? KNOWLEDGE SECTOR SPECIALISATION CLAIMS SERVICE EXPERTISE STRENGTH SIZE INTEGRITY KEEPING YOU INFORMED We understand what you do and what insurers want. You will get appropriate cover, from the right insurer, at the right price. We take time to understand the sector you operate in. We understand the risks your business is exposed to. We know what you need from your insurance and what your clients expect. We have settled over 500m worth of claims on behalf of clients in the last four years. You have an experienced, knowledgeable in-house Claim s Handling team with over 30 specialists on your side to provide advice, get claims settled and act as your advocate. We have over 100 PII specialists. We know what we re doing. Every member of our team sits within 20 metres of someone with over 20 years insurance industry experience. If you ve got a problem we will have several people who can provide a solution and we will work collaboratively with you to deliver the best outcome. Our size and reputation helps us consistently negotiate better premiums with insurers. Large enough to make a difference with insurers but still small enough to offer great service based on strong relationships. We tell it how it is, providing honest and informed advice and guidance. If we say we are going to do something or we commit to delivering a certain premium, we will do it. We ensure you have access to up-to-date information on factors that can impact premium and risk management. We give you the opportunity to benefit from the lessons learnt in other professional sectors. 1
10 WHY CHOOSE HOWDEN FOR PI? Exclusive PI product for firms paying over 10,000 premium. Offering competitive premiums and excesses and uniquely underwritten by 5 RICS listed insurers. Only available to Howden clients RICS only preferred UK PI broker Represent over 20m premium per annum from the property and construction sector Expertise across all areas of the property and construction industry from valuers through to project managers, architects and civil engineers Recognised for our ability to find insurance for firms operating in high risk areas and/or with poor claims histories Clients range from Sole Practitioners to some of the world s largest property consultancies Committed to developing our service offering and proactively helping clients manage risk through the regular e-bulletins and events Play a leading role in driving the delivery of solutions to the challenges posed by PI across the surveying industry
11 HOWDEN CLAIMS HANDLING How we work with you The largest PII claims team in the London market with over 30 members of staff In excess of 70m of claims settled on behalf of surveyors in the past 5 years Our strength and expertise reduces the time you and your colleagues have to spend handling claims and reduces the likelihood of insurers repudiating claims Team led by Kevin Bailey and Rob Turner. Both have over 25 years experience of handling PI claims and have been involved in managing some of the largest claims arising from the property and construction sector. Strong, long term relationships with claims handlers at major insurers and a belief in negotiating matters face to face The Howden claims team is based in the same office as your account handlers and broker ensuring we provide a comprehensive, joined up service
12 Three things distinguish the Howden Professional Indemnity claims handling team from the competition; firstly their knowledge these are genuine specialists with a complete understanding of the challenges facing their clients and the environment in which they operate. Secondly their skill in dealing with difficult situations whether it be in relation to coverage or otherwise, they know their business and the market respects them for that. The third is perhaps the most significant - they care about protecting their insureds interests and getting the best results out of a claim. How a claim is handled is the best form of advertisement for a broker and that is why so many businesses have remained with them year on year Professional Negligence Partner UK Top 30 Law Firm
13 TESTIMONIALS Can do is no match for have done : Thank you very much for handling our Professional Indemnity insurance renewal again this year. I was delighted with the result, obtaining for us a sector leading two year deal, and at a price that compares more than favorably with market rates. I am sure that market conditions will present us with a challenge at next renewal and am grateful to you for your advice in this regard. I would also like you to convey our thanks to your claims handling team, who continue to deal extremely effectively with any matters that arise. We are appreciative of the continuity of underwriting and the sustained high levels of service and support that Howden provide for us. LLP Secretary, top 20 UK Property Consultants Having recently established my own surveying practice I have found Howden to be extremely helpful and approachable throughout the whole process. In addition, the competitive premium level is vital for a new company Sole practitioner surveyor From the outset we were impressed by the speed of Howden s response and the knowledge they have of our sector. Throughout the process they displayed a confident and constructive approach and the meetings they set up with potential insurers enabled us to fully explain our risk management procedures. The client service team were extremely helpful and we have no doubt that they will be fully supportive if we need their assistance. Howden eased us through what has in the past sometimes been an anxious period and the premium reduction was an excellent outcome.. Director, Business Surveyors and Valuers Howden have arranged our professional indemnity insurance since 2006 and we have always been impressed with their knowledge of our industry, service and premium. This has been further endorsed by their appointment as the RICS preferred UK PI Broker. We therefore have no hesitation in recommending them to other firms Chairman Independent Estate Agents Our relationship stretches back almost 10 years which is testament to the continuing high level of service they provide us with. I would have no hesitation in recommending Howden as exemplary insurance providers. Partner & Chief Executive, UK top 20 Architectural practice
14 ABOUT HOWDEN BROKING GROUP INSURANCE BROKING UNDERWRITING 2
15 ABOUT HOWDEN BROKING GROUP 160 1,400+ employees m revenue Howden Broking Group Revenue (to 30 th September 2014) 73 offices 30 countries
16 ABOUT HOWDEN BROKING GROUP Gross written premium by country 23% NORTH AMERICA CANADA USA ECUADOR* BERMUDA COLUMBIA* 8% PERU* CENTRAL AND SOUTH BRAZIL CHILE AMERICA URUGUAY 20% UK NORWAY UK GUERNSEY SWEDEN FINLAND NETHERLANDS POLAND JERSEY GERMANY SPAIN 12% NORDICS 4% EUROPE TURKEY ISRAEL UAE 11% MIDDLE EAST & AFRICA INDIA MACAU THAILAND MALAYSIA KOREA HONG KONG SINGAPORE TAIWAN PHILIPPINES 22% INDONESIA ASIA PACIFIC 5
17 ABOUT HOWDEN BROKING GROUP In addition to PI we can arrange the following forms of insurance PEOPLE ASSETS LIABIILTIES Personal Accident Property Employer s Liability Expatriate Medical Terrorism Public & Product Liability Business Travel Business Interruption Environmental Liability Kidnap, Ransom and Extortion Construction Directors and Officers Liability Employee Health & Benefits Plant and Equipment Professional Indemnity War & Political Risks Machinery/Electronic Breakdown Cyber Liability Crime Fleet Title & transactional liability Insurance Intellectual Property Protection Crime
18 ABOUT HOWDEN BROKING GROUP Our parent: Hyperion Insurance Group
19 Hyperion is one of the most exciting growth companies we have come across which has built a global business by focusing on the emerging needs of customers for specialist insurance products. John Bernstein Managing Director, London General Atlantic The standout performer of this year is the acquisitive Hyperion Insurance Group, which enjoyed a 28.1% uplift in brokerage. This is a business that has a great vibe about it Second last year and first this year. A double that is hard to achieve as it shows sustained outstanding progress. The dynamism of the business means that it can attract some of the best talent. IMAS commentary on Hyperion Insurance Group Insurance Times Top 50 Insurance Brokers report, 2014
20 ABOUT HOWDEN BROKING GROUP Hyperion / RKH merger Terms of agreement signed March 2015 Hyperion will acquire 100% of the share capital of RKH. The combined Group will be 70% owned by its employees, with Hyperion s external shareholder, General Atlantic remaining in place with its shareholding of 30%. Projected annual revenues approaching 400 million and EBITDA of 100m 3,000 employees across 121 offices in 37 countries Merger will create the world s largest employee owned insurance group
21 CONTACT US GREG HARRISON T: E: MATT FARMAN T: E: PETER LONDON T: E: 71 FENCHURCH STREET LONDON EC3M 4BS
22 Howden Insurance Brokers is a subsidiary of Howden Broking Group Limited, part of the Hyperion Insurance Group. Howden Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority: Firm reference number Registered in England and Wales under company registration number Registered office: 16 Eastcheap, London EC3M 1BD. This document or any portion of the information it contains may not be copied or reproduced in any form without the permission of Howden Insurance Brokers Limited, except that clients of Howden Insurance Brokers Limited need not obtain such permission when using this report either for their internal purposes or to give to their clients. The information contained herein is based on sources we believe reliable and should be understood to be general risk management and insurance information only. Howden makes no representations or warranties, expressed or implied, concerning the accuracy of information contained herein. The information is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such. Copyright March 2015 Howden Broking Group
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