Ashbourne Insurance is a family-run, multi award winning, independent high street broker serving the local business and residential community on the Hertfordshire/Essex border. They are immersed in local business, focused on strong high street presence and are energetic supporters of local charities.
Established over 35 years ago, Ashbourne offer a 24 hour claims advisory service and is authorised and regulated by the Financial Conduct Authority.
Why use an insurance broker?
Simple, peace of mind! As an independent broker, they are free to search all the leading insurers to obtain cover tailored to your specific needs at a price to suit your budget. When you buy insurance on-line either direct or through a price comparison site, you effectively become the broker. You may save a bit of money, but how certain can you be that you’ve got exactly the right cover for your needs?
Ashbourne’s top-tips for buying business insurance:
Take time to study the insurance schedule at least once a year, do the sums insured accurately represent your current exposure and are the sections of cover provided in-line with the needs of your business.
Whether it is a new “risk” or renewal of an existing policy start the process early, at least 6-weeks in advance. This will give you time to review the current schedule of cover, engage the appropriate supplier(s) and allow them time to analyse the risk to ensure cover tailored to your specific needs at a price to suit
Engaging in a single independent broker (supplier), one with access to the full range of markets available is much more effective than engaging multiple brokers. You want your broker to become your advocate and to get insurers fighting each other for your business.
Continuity of insurer is a benefit to getting a competitive premium year-in, year out. It is always worthwhile having your broker complete a full market exercise, however don’t be too keen to change insurer for a fiver!
If a quote seems too cheap to be true, it is often just the case. Reductions in premium are always attractive, however at what cost? Remember you only know the true value of your policy when it comes to making a claim.
On-line quotations are based on a series of assumptions and are “packaged” policies designed to be “one size fits all”. If you purchase cover on-line you become the broker, who then do you refer to it all goes wrong when it comes to making a claim?
When you buy insurance to cover cybercrime, make sure it includes the costs of rectifying your systems so you can put your business back to the way it was before the incident as quickly as possible. Your policy should also include cover against lost profits, investigation and forensic costs, fines which might be imposed by the regulator, and the cost of notifying data protection authorities.
Ashbourne Insurance is pleased to offer a complimentary ‘insurance health check’ so please call us on 01992 471001 to discuss. Follow us on Twitter at @AshInsServices
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