FIRST INSURANCE SOLUTIONS LTD

Transcription

1 FIRST INSURANCE SOLUTIONS LTD Specialist Commercial Insurance Brokers FIRST INSURANCE SOLUTIONS First Insurance Solutions Ltd FIS House, Centre 3000 St Leonards Road Maidstone Kent ME16 0LS REGULATION First Insurance Solutions Ltd is registered in England under reference Authorised and regulated by the Financial Conduct Authority under reference First Insurance Solutions Ltd

2 ABOUT US Our Origins First Insurance Solutions are a specialist insurance broker who offer unique products and solutions designed to cover insurance requirements in specific sectors. Our core customers come from the following sectors: Construction Design Distribution Medical/Health Professional

3 UNDERSTANDING OUR CLIENT S NEEDS Specialising in these industries allows us to offer what we believe to be unrivalled levels of service and advice based on many years of experience and a thorough understanding of relevant insurance products for your business. We have core staff in all of our specialist sectors whose brief is to offer the best advice at all times. Our philosophy and bespoke products have ensured steady growth in a competitive market. We succeed because we put our clients first. Whichever insurance product you need or whatever advice you require, please do not hesitate to contact us.

4 OUR SPECIALITIES Motor Vehicles - Fleets 2+ and individual commercial vehicles. Employers Liability. Public/Products Liability. Professional Indemnity. Contractors All Risks. Legal Expenses including Contract Disputes and Debt Recovery. Commercial Property: - Buildings - Contents - Equipment

5 AIR CONDITIONING & REFRIGERATION Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Includes Efficacy Cover (Failure to Function). Includes Damage to Property Being Worked Upon Cover. Includes Financial Loss (Loss of Business Claims). Includes Use of Heat Equipment On-site including Oxyacetylene Welding Equipment. Includes Work at Heights including Roof Top Work. Public / Products Liability 10,000,000 (which can often be a contractual requirement).

6 ELECTRICAL CONTRACTORS Our policies can include the following extensions in cover: First Insurance Solutions are an associate member of NAPIT. (These are not normally covered under a standard policy) Efficacy Failure of Fire / Intruder Alarm Systems to trigger and perform as intended. Professional Wiring (Certification) Cover. Damage to Property Being Worked Upon. Financial Loss (i.e. Loss of Business Claims). Includes Data Cabling Work. Can include work on Hazardous Locations such as hospitals.

7 CONSTRUCTION AND CIVIL ENGINEERS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Depth Work with Variable or No Limit. Work at Height with No Height Limit. Contractors All Risks (CAR) including Hired In and Hired Out Plant / Own Plant / Tools and Equipment and Contract Works. Financial Loss Loss of Business. Confined Space Works cover. Highway Contractors including Motorways and Traffic Management.

8 DRAINAGE CONTRACTORS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) First Insurance Solutions is an associate member of The National Association of Drainage Contractors. Includes cover for Damage to or Alleged Damage to the Actual Drain System. Includes Theft of Tools from vehicles overnight cover can include CCTV survey equipment, remote robots etc. Includes cover for Excavation various Depth Limits are available. Can include cover for Confined Space Work. Can include cover for Pure Financial Losses. Can include full Professional Indemnity cover.

9 SECURITY CONTRACTORS Specialising in cover for the following sectors: Manned Guarding / Uniformed Security. Door Security doormen and women / door supervisors / stewards and event security. Close Protection / Body-Guarding. Overseas Security including hostile environments and armed maritime security. Security Advisors / Consultants / Training Providers including physical intervention and conflict management training. Electronic Security / Fire and Intruder Alarms / CCTV / Door Entry / Emergency Lighting. Private Investigators / Surveillance / Debt Tracing / Missing Persons and Fraud Investigation. First Insurance Solutions is an associate member of the Security Institute. Our policies can include the following valuable extensions in cover: Efficacy / Contractual Liability protection from Failure to Carry Out Contracted Duties, including Willful Default and Neglect. Liability for Deliberate acts of Employees. Wrongful Arrest. Fidelity Guarantee. Misuse of Telephones. Loss of Keys and Replacement Locks. Consequential Loss following Loss of Keys. Product Efficacy Failure of a Product to Perform. Professional Indemnity.

10 FIRE PROTECTION CONSULTANTS & CONTRACTORS Specialising in cover for the following sectors: First Insurance Solutions is an associate member of the following associations. Fire Safety Training. Fire Security System installation and maintenance. Sprinkler Installation and Servicing for industrial, commercial and private use. Supply and Servicing of Extinguishers and Suppression Systems. Supply and Servicing of Dry and Wet Risers. Consultants and Site Surveyors / Fire Risk Assessment Services. Emergency Lighting and Fire Safety Sign installation. Our policies can include the following valuable extensions in cover: Efficacy / Contractual Liability protection from Failure to Carry Out Contracted Duties, including Willful Default and Neglect. Liability for Deliberate Acts of Employees. Wrongful Arrest. Fidelity Guarantee. Misuse of Telephones. Loss of Keys and Replacement Locks. Consequential Loss following Loss of Keys. Product Efficacy Failure of a Product to Perform. Professional Indemnity.

11 BLASTING CONTRACTORS Specialising in cover for the following sectors: Sandblasting Grit Blasting Shot Blasting Soda Blasting Water Jetting Bead Blasting Dry Ice Blasting including Coating and Finishing. First Insurance Solutions is an associate member of The Water Jetting Association. We can include the following extensions in cover: Damage To Property Being Worked Upon including Defence Against Alleged Damage. Chemical Cleaning and Restoration Works. Work at Heights no Height Limit. Own Plant and Equipment Cover including Theft from Vehicles Overnight, Trailer Mounted Equipment and Plant Left On-site. Work on Listed Buildings / Statues / Monuments. Graffiti and Chewing Gum Removal.

12 HIGH LEVEL ACCESS OPERATORS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Complete cover for the Vehicle Chassis and Hydraulic Platform Theft / Fire or Accidental Damage from a Road Accident or Damage whilst being used. Cover can be on an individual vehicle (NCD) basis or Motor Fleet. Cover for vehicles with a GVW of 3.5tn to over 44tn, and 10m to 90m reach. Third Party Working Risk - Damage to other people s property arising from operation. Can include other vehicles such as Service Vehicles and Traffic Management Vehicles.

13 SIGN MAKERS AND INSTALLERS Our policies can include the following extensions in cover: First Insurance Solutions is an associate member of the British Sign & Graphics Association. (These are not normally covered under a standard policy) Full Professional Indemnity cover including Copyright Infringement (various limits available). Includes Work at Heights. Includes Use of Heat Equipment On-site. Driving / Movement of Customers Vehicles. Costs of Rectification of Work to be Replaced. Breach of Intellectual Property Rights. Pure Financial Losses for Loss of Business claims made against you by a client. Stock whilst stored in another s premises. Artwork / Transparency Replacement.

14 PRINTERS AND PRINT FINISHERS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Full Professional Indemnity including Copyright Infringement / Libel / Slander. Pure Financial Losses Loss of Business Claims. Rectification Costs. Art Work / Transparency replacement. Stock whilst stored in another s premises.

15 DRILLING CONTRACTORS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) We can provide variable Depth Limits as required from 3m down to 10m (and more if required). Cover for Piling and Geotechnical Works. Offshore Works. Professional Indemnity for Calculations, Specifications and Professional Negligence. Pure Financial Losses loss of business claims from your customers. Cover for using Labour Only Sub Contractors / Bona Fide Sub Contractors.

16 MOTOR FLEET Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Fleets from only 2 vehicles (including policies converted from individually insured vehicles). Access to 25+ Motor Fleet Insurers available. Cover for Vehicle Signage including Vinyl Wrapping. Any Driver policies. UK and European Usage. Low Policy Excess(s). Courtesy Vehicle Service at no cost to clients. 24 Hour Claims Help Line and Dedicated Claims. Support Function. Full Breakdown Cover available.

17 PROPERTY OWNERS Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Residential / Commercial Properties (or a mixture of both). Single Properties or Portfolios. Unoccupied Properties. Occupancy by Unusual / High Risk Trades. Occupancy by DSS / Students / Asylum Seekers. Non-standard Properties Considered Conversions / Maisonettes / Blocks of Flats / Holiday Homes etc. Property Owners Liability / Public Liability. Loss of Rental Income.

18 EQUINE Our policies can include the following extensions in cover: (These are not normally covered under a standard policy) Riding Schools/Livery Liabilities. Horse Insurance. Tack Shop Insurance. Commercial Combined.

19 SMALL BUSINESS INSURANCE First Insurance Solutions are able to provide tailored packages exactly to your specific needs. No matter what the size or shape of your SME business, our team of specialist advisors have the solution. We are able to offer a comprehensive package, incorporating: Buildings, Contents, Public and Employers Liability, Directors and Officer s Liability, Professional Indemnity, Legal Expenses and Business Interruption covers, all tailored exactly to your needs.

20 PROFESSIONALS We specialise in arranging business Professional Indemnity insurance (also known as PI insurance). We like to think that we offer Professional Indemnity Insurance with a personal touch. We take the time to understand your needs and offer solutions tailored to those requirements; we are not a call centre. As we are totally independent and act in your best interests, whether it s discussing your insurance policy cover or your renewal terms, our focus helps us give you the best options to meet your PI insurance needs. We specialise in the following areas: Recruitment Agents / Consultants Building Services Design and Construct Construction and Engineering Accountancy and Finance Estate and Managing Agents Manual Training Providers Information Technology Consultants Management Consultants

21 LABORATORIES Our specialist Laboratory Testing and Research Insurance offers cover against a wide range of risks facing laboratory testers, researchers and clinical testing professions. Specialist extensions can include: Professional Indemnity Loss of Refrigerated Contents Equipment Breakdown Hacker Damage Insurance Damage during the period of insurance to Contents caused by Contaminants Loss of Income, Research Expenditure, Loss of Research Income, Additional Increased Costs of Working and Contractual Fees resulting solely and directly from an interruption to your business caused by such contaminants. At First Insurance Solutions we don t believe in a one-size-fits-all insurance policy. Our job is to take the worry out of insurance and arrange cover for you, so that you can carry on with what you do best. Our specialist insurance can be tailored to cover your business against these risks and many more. We are able to provide cover on our exclusive facility for laboratories.

22 PRIVATE CLIENTS & HIGH NET WORTH At First Insurance Solutions we deliver a personalised service with dedicated support from our team of High Net Worth specialists. As an independent insurance broker, we have access to a wide range of Insurers offering bespoke arrangements for private clients. Let our specialist team quote for your Household and Contents insurance, offering the widest available cover at competitive premiums. We treat every client as an individual and tailor everything we do to meet your specific needs.

23 CHARITIES & NOT FOR PROFIT ORGANISATIONS You can be assured of a personal service by an experienced executive who understands the responsibilities and associated liabilities of the trustees, and the insurable interests of the organisation. We understand that charities and their operations are diverse and varied. We provide a dedicated, experienced and understanding advisor who will be happy to take their time and ensure we have a full understanding of your organisation. Our concern for charitable organisations is born out of a passion to assist and advise organisations which exist only for a cause, and where overheads must inevitably be kept to a minimum. Our cover can include: Costs incurred in using a public relations specialist to deal with adverse press, publicity or media attention. Fundraising Events including Public Liability that provides cover and peace of mind across all of your activities. International Work such as aid workers in foreign countries. Cover which protects both the trustees and the organisation itself. Property in your trust but not necessarily belonging to you even whilst it is in the open. Money Cover including Assault. Cover for the actions and possible injuries caused to volunteers.

24 COMPLETE RESPONSE CLAIMS Negotiating with Insurers can be a difficult and lengthy process. Complete Response provides you with professional advice from our expert, independent loss assessors, who will stand shoulder to shoulder with you no matter how complicated or large the claim. Complete Response have access to insurance claims experts who can offer professional independent advice on any particular claim. Claims Assistance Services Claim Management Motor Claims Assistance Property Damage Assistance Risk Management Resource Library

25 TESTIMONIALS "First Insurance Solutions provided insurance covers according to our particular business needs and specific to our industry. This was also demonstrated in the way they negotiated the best terms with the insurers that they selected for us and we would certainly recommend them." Emma Tilbury, Maximum Air Conditioning Limited We moved our insurances across to First Insurance Solutions in 2011 as they were able to demonstrate that they fully understood our industry and processes, and in turn, the risks that our business faces. They were able to save us money from our previous broker whilst giving us the advice and full cover that we needed for our business and so I would have no hesitation in recommending them as I have done and will continue to do so. Andy Skinner, Director, Fine Image Ltd & Real Print and Media Ltd First Insurance Solutions have provided an excellent service since day one and have given us considered, helpful and practical advice at every stage. They are a friendly, professional team that work diligently for us and are easy to get hold of." Hilary Carroll, Director, Centurion Air Conditioning Ltd

26 KEY PEOPLE Martin Bell BSc FCII Martin was previously Director of Camberford Law Plc and is the founder of UK Special Risks Ltd and First Insurance Solutions Ltd. He previously oversaw the schemes at Camberford Law and currently holds binding authorities with Ecclesiastical Insurance Company (Dental Laboratory Scheme) and QBE Insurance (Europe) Ltd (Property Binder). Direct Dial: Tim Eastwood Tim has been with First Insurance Solutions since 2009 and has over 30 years of technical and working knowledge. He worked alongside Martin as a Director at Camberford Law Plc, and his specialist areas of industry knowledge are the Security Industry, Nightclub and Licensed Trade and Electrical Contracting. Tim s vast knowledge of insurance allows him to advise and recommend on practically any class of Commercial Insurance for all industries. Direct Dial: teastwood@firstins.co.uk Andy Chibeba BA (Hons) ACII Andy has been with First Insurance Solutions since 2009 and joined the board of directors in October In his time at First Insurance Solutions, Andy has obtained his ACII Qualification and earned a Highly Commended at the BIBA Young Broker of the Year Awards He has expert knowledge of Cleaning, Electrical, Air Conditioning and Drainage industries. Andy also has a BA (Hons) in Business Marketing and is a certified NADC Drainage Surveyor and water jetter. Direct Dial: achibeba@firstins.co.uk Matthew Sendall-King Matt has been with First Insurance Solutions since He previously worked as a Branch Manager for a National Broker and has over 25 years of UK Insurance experience. Matt heads up the renewals team and oversees the broking of all policies including key accounts. He was formally a named underwriter for Novae Syndicates at Lloyds, supervising a scheme arrangement for Cleaning and Support Services Contractors. Matt has an expert working knowledge of the Cleaning, Electrical, Air Conditioning and Refrigeration industries. Direct Dial: msendallking@firstins.co.uk

27 FIRST INSURANCE SOLUTIONS First Insurance Solutions Ltd FIS House, Centre 3000 St Leonards Road Maidstone Kent ME16 0LS REGULATION First Insurance Solutions Ltd is registered in England under reference Authorised and regulated by the Financial Conduct Authority under reference