TOWERGATEWARREN HILL

Providers of the FSB Insurance Providers of the FSB Insurance ServiceService

Anne ButlerAnne Butler

FSB National Relationship ManagerFSB National Relationship Manager

Insurance Policies

Are you happy with your insurance premium?

Are you happy with the choice of Insurers available to you?

What can you do about it?

What do Insurers look for when considering an Insurance Risk and how much to charge?

Business Description

Established Business

Low turnover of Staff

Well trained Staff

Management of Safety - Employee Handbooks

Drivers Handbooks

Risk Assessments

Method Statements

COSHH Reports

Health & Safety Policy

What should I be looking for in an Insurer?

Reliable solvent company – cheapest is not always the best

Employers Liability Limit of Indemnity - £5 million minimum

£10 million is normal

Is this enough?

What do I do if an incident occurs?

Inform your insurers as soon as you are aware of a potential claim.

Make sure your documentation is “up to scratch.”

Let your insurers deal with it, do not prejudice their position.

Happy, valued staff are less likely to sue you!

? Do you carry D&O cover?

TOWERGATEWARREN HILL

Providers of the FSB Insurance Providers of the FSB Insurance ServiceService

Anne ButlerAnne Butler

FSB National Relationship ManagerFSB National Relationship Manager