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Is Your Business Protected?


How Higos can assist with business insurance queries. Commercial Insurance can be complicated. We understand that. Thats why a professional, qualified insurance broker, such as Higos, can assist you along the way, making the process of ensuring your business is properly protected as straightforward as possible. During a recession we fully appreciate that you will be evaluating your cost base. Your insurance broker will be able to assist you with this process, establishing that your insurance meets your requirements. We provide our clients with a full business review, with the aim of saving money on their business insurance, without compromising on the cover. Your insurance broker will make sure you are properly protected. In these difficult times, can you afford to take risks? Consider Credit Insurance as a prime example. Should one of your larger customers cease trading, owing you vital money, you will want the peace of mind that your cashflow will not be adversely affected and that you will be paid. Business Interruption cover should also be considered. In the eventuality of a serious flood or fire to your premises, how long will it take to rebuild your premises? Will you have the funds to continue paying your staff, before they start seeking alternative employment? We have heard the phrase the green shoots of recovery used with increasing frequency in the media of late. As a result of the wave of redundancies throughout the UK over the past 18 months a number of new business start-ups have emerged. Again, an insurance broker will be able to offer advice to ensure that the launch goes as smoothly as possible. In the past few months alone Higos has provided advice and support to a variety of new businesses, from new Landlords to Plumbers and even Feng Shui consultants. Your insurance broker should keep you updated with any market changes which may impact on your insurance costs. At the moment many of our clients are exploring the benefits of signing up to a Long Term Agreement (LTA) typically for three years - with an insurance company of their choice. After several years of rate decreases, or stability at the very least, many insurers are attempting to increase rates this year; signing up to an LTA is one way of avoiding premium increase. Here at Higos we constantly check the market to ensure our clients are getting the best value for money. Insurers are generally offering between 5%-10% discount for entering into an LTA so you could save money, protect yourself against rising rates and make your renewal process a whole lot easier. Our Corporate Business Team is highly experienced in commercial insurance and risk management for larger businesses. The team handle complex enquiries which fall outside the normal package parameters, such as manufacturing, care homes, construction, and motor fleet risks, including commercial vehicles. Higos makes arranging your business insurance easy, either over the telephone or we can meet you at your place of work, often with one policy to cover all your business requirements. We have a national team of field-based executives able to provide bespoke professional advice anywhere in the UK. And, with 15 offices throughout the South West, we are never far away. We have a dedicated Commercial Claims team who deliver the same high level of service in the unfortunate event you need to make a claim. By ensuring claims are dealt with in a fast, efficient manner we demonstrate to our clients that they are in safe hands. To learn more about how Higos can help protect your business contact us today on 01454 285 255.

Posted by: Higos Insurance Services Ltd