Commercial Insurance

• Commercial Insurance Enquiry

Take a fresh look at your insurance arrangements...

Argyll assists businesses to ensure that their assets and liabilities are fully protected. In doing this we are focused upon achieving the best possible value for money. Our systematic and tailored approach to managing the unique needs and risks of business customers extends to an in-house claims service, the provision of regular newsletters and the availability of value added services such as Health & Safety advice and legal support.

Small to medium sized businesses

Argyll provides a dedicated team of experienced brokers whose speciality is the servicing of small to medium business risks. Each client benefits from a dedicated Account Manager who is supported by an account administration team. This team of qualified and experienced insurance professionals ensures that our clients’ businesses receive comprehensive and timely attention. They review the loss history and the business profile and then meet with the client to devise a strategy for approaching the best Insurer to underwrite the risks to their business. Ongoing support is provided throughout the year as the frequency and nature of contact with our clients is pre-agreed at the initial meeting.

In the event of the need to make a claim, our customers have the comfort of knowing that their Account Director will rapidly be on hand. The claim will be managed through to a satisfactory conclusion with the assistance of our dedicated in-house claims team.

Corporate Services

For clients with more complex needs, Argyll deploys the fullest range of value added Risk Management Services thus ensuring the complete management of the entire exposure to risk.

Each of our Account Managers specialises in at least one industry sector, so they are able to act as trusted advisers to businesses or organisations in areas that transcend the traditional broker's role. Their knowledge of trends in each sector of the economy ensures that the growth and continuity of each customer can be achieved, as we utilise a variety of professional services to address the issues affecting the business. Techniques for preserving records, introducing effective employee benefits, auditing employment practices and minimising ‘downtime’ are customised for each industry.

Our clients are allocated an Account Manager who provides customer service by telephone, fax and e-mail and works closely with Account Administrators in high performing teams that focus on the provision of comprehensive and timely attention to customer needs. We analyse a company’s claims exposures and experience to recommend best practices, review overall corporate and executive insurance programmes on an ongoing basis and meet at the customer’s premises regularly to align our risk management efforts with their business strategies.

Helping to manage your business risks and keep your costs down...

The Argyll Approach...

“We do not allow our suppliers to dictate their terms or service standards”

• The increasing reliance upon technology in business with consequent cuts in staffing levels, has caused major problems with the maintenance of service levels in some sectors. While Insurers strive to improve their service standards for their direct clients, Argyll has ensured that our customers still benefit from a strong focus upon quality of service.
  

• We take Insurers’ security (their ability to pay claims) as a prime focus. We work closely with Insurers, preferring face-to-face discussions when negotiating terms, rather than simply corresponding in writing over major issues, with the inherent delays.
  

• Our purchasing power in the Insurance market exceeds that of the majority of Brokers in the South-East. We have direct access to the most senior Insurer staff and regularly use this to the benefit of our clients. Insurers know that by working with Argyll, they will be insuring businesses whose risks are properly managed. They can therefore quote more competitive premiums than those offered through less proactive Brokers.

“We must allow our clients to achieve their commercial objectives.”

• If an Insurer wants increased renewal terms, we do not expect to be the bearer of bad news. Regular rebroking of a client’s portfolio ensures access to the most competitive terms in the market. But even the best terms may not be good enough, if the client’s budget cannot withstand the increase.
  

• We always try to give our clients the tools to manage their insurance bill.
  

• Contractual obligations may be tightened thereby reducing the client’s exposure to risk.
  

• Detailed risk analysis allows an informed decision to be made on the impact of increased self-insurance.
  

• We provide detailed Risk Management and Health & Safety support so that the potential impact of a business process on the insurance bill can be recognised and managed.

“We will provide Professional evaluation and support for your business”

• Whether you are a manufacturer or a supplier of goods or services, in our litigious culture, it is necessary to consider new regulations and areas of risk and exposure as they arise.
  

• Awareness of risks, sound practices in the workplace and the management and operation of a business will give peace of mind as well as a positive impact on premium levels.

“We can assist with a qualified Solicitor and IOSH and ROSPA professionals"

Argyll’s Professional Support Team can evaluate, report and advise upon:

• Health & Safety
  

• Risk Management
  

• The Terms and Conditions under which you operate
  

• Disaster recovery plans

Argyll can also provide ongoing consultancy facilities to clients wishing to outsource these functions. Commercial Insurance Enquiry

Your Argyll Team is always on hand in times of crisis...

“Claims are the true end-product of the insurance function”

• Brokers too often forget that the purpose of buying insurance is for claims to be settled fairly and promptly.
  
• Our dedicated Claims Team manages all losses, with additional support from your Account Director on major incidents

“We recognise that”

• Major material or property damage can affect the future viability of a business, unless steps are taken to recover the situation as soon as possible
  
• The mishandling of even a minor loss involving the public or a third party can be blown up out of proportion and harm the future of the business. Even in the event of a loss, prudent handling of public relations can potentially enhance your customers’ perception of your business.
  
• In the event of a major loss, our Crisis Management Team is on hand to support you. Management Information is a key component in the management of claims. We hold regular meetings with clients to discuss existing and prior claims, looking at any trends where some prudent risk management might reduce the claims bill and hence future premiums.
  
• In the same way that claims do not necessarily occur during office hours, we provide the necessary support on a 24-hour basis. All Argyll Account Directors can be contacted by mobile phone at any time.