A different approach
Most businesses do not have the luxury of an in house insurance expert. The job of arranging the insurance and reviewing it normally falls on somebody that has lots of other pressures on them. Time they spend working on the company insurances or dealing with claims takes them away from their core roles and quite often out of their comfort zone. This is a real and genuine cost to any business.
We provide you with dedicated points of contact with advisers that know and understand your business. Advisors that are on hand to support you in the event of a claim and that care that your claim is settled quickly and fairly. Our way is to make sure you are given plenty of time to consider terms and to meet with you at a time and place convenient to you.
Some examples of the type of business insurances we place:
Care Homes, Childcare & Domiciliary care.
Charities including Trustees Indemnity.
Combined Liabilities including high risk trades such as Asbestos Contractors, Railway Contractors & Steelworkers.
Commercial Combined for manufacturing, wholesale & distribution risks.
Construction.
Directors & Officers Liability.
Engineering & Machinery.
Excess layer liabilities.
Fleets of 3 or more vehicles.
Group Accident, Sickness & Travel.
Hotel & Leisure risks including Caravan Parks.
Legal Expenses.
Marine Trades.
Marine Transit.
Motor Trade.
Packages – Shops, Offices, Surgeries & Salons.
Plant Inspection.
Professional Indemnity.
Terrorism.
We operate in a transparent manner and we are always happy to discuss which insurers we have approached and why. We don’t believe in placing all of our business with single insurers just because they give us the best remuneration!
Call Middleton Insurance today on:
T: 01243 582293
Personal insurance
Our clients have come to expect the same superb service when dealing with their personal insurances that we deliver when arranging cover for their business, something that is often overlooked by other brokers.
Whilst not the main focus of what we do we are always keen to support our Commercial clients by making sure that their Personal Insurances are correctly arranged. Saving them the time, energy and the risk of dealing with a faceless organisation or dabbling with on-line providers.
Some types of personal insurance that we advise on:
High Net Worth Home Insurance.
Holiday Home Insurance both UK & Overseas.
Home Buildings & Contents.
Homeworkers.
Legal Expenses.
Personal Accident & Sickness.
Yacht & Motor Boat Insurance.
Like everything else we do we support client’s through the life cycle of their insurance including when a claim occurs. We don’t simply palm you off to the Insurers claims helpline, we’ll help you get your claim settled correctly.
Call Middleton Insurance today on:
T: 01243 582293
Property insurance
Residential and Commercial Property Insurance form an important element of our business.
Quotations are provided from both our panel of insurers and our “in house” delegated authority property scheme (Guardian Property Investors Protection)
We have a number of cost effective solutions for those that own or manage property, from single buy to-let properties up to large portfolios including commercial premises.
In addition, we can usually cater for most types of risk including:
Single Residential Lets & Portfolios.
Single Commercial Properties & Portfolios.
Mixed Commercial & Residential Portfolios.
Previously Flooded risks.
Previously Subsided Risks.
High Risk Trades & Tenants.
Non-standard Construction.
Adverse Claims records.
Unoccupied property..
Speculative Developments.
We can provide portfolio cover to Managing Agents, Probate Solicitors, Surveyors and Property Developers or indeed any one needing to insure property.
Call Middleton Insurance today on:
T: 01243 582293
Risk management
Owners and Managers of businesses face a real challenge ensuring that their businesses keep up to date with both Health & Safety and Employment Law legislation.
Insurers are placing more and more emphasis on risk management and making it more difficult for those who do not adopt the correct practices and procedures to comply with the requirements of their insurance cover or obtain cover at a reasonable cost.
We maintain close working relationships with a number of trusted industry specialists that can help save you time, money and the worry of dealing with these obligations alone. Whilst it doesn’t take away your responsibility, they can help to guide and support you enabling you to concentrate on still running your business.
Call Middleton Insurance today on:
T: 01243 582293
Why use a broker?
Competition these days seems to come at us from all angles. Insurance can be purchased on-line, over the telephone even when queing for groceries. Advertising seems to have convinced most people that they are “experts” in arranging their insurance and that they save a fortune if they “cut out the middle man” . We all get bombarded with invites to “compare this” and “switch that”.
Most of this so called competition competes on one front and one front only…price.
We feel we are different to a lot of our competition. For a start we are human and not an automated quote system. We have many years of experience in dealing with Insurers. We get to know our client’s and make sure we understand what they need. We have access to different policies with different insurers to suit different requirements or different budgets. We can accommodate changes in their needs. We know which Insurers pay claims and which don’t. We know how to make sure your claims get paid, on time and in full. We support you through the life of your time as a client with us from the quote stage right through to the settlement of claims.
Next time you think you have a quotation that is cheaper than that on offer from your broker it may be worth making a true comparison, rather than just looking at the price.
Call Middleton Insurance today on:
T: 01243 582293