Assessing the risk
Safeguarding the smooth running of your business
Successful insurance broking is a blend of experience, a high level of technical ability and excellent relationships with insurance companies. At SGY, we ensure that we have expertise on all three fronts, and therefore can provide our clients with cover that is exactly tailored to their needs. Over insurance is expensive and unnecessary, under insurance can be just as expensive in the event of a claim - that's why we take time to get to know our clients and analyse their activities before assessing the risk and putting together insurance packages.
Assessing the risk
We discuss all aspects of business activity with clients, to ensure we can assess the hazards and risk exposures to assets, earnings and liabilities.
Managing the risk
Risk Management is vital to develop insurance that is relevant to the individual business and its day to day and long-term activity. It involves minimising risks to enable clients to insure only to the appropriate extent. We identify any threats to business continuity, asset conservation and oversight of management responsibility and will propose corrective active action if it is required.
"We design an insurance programme to suit you and your business"
Designing the policy
When we have identified and assessed the risks to your business,
we design an insurance programme to suit you and your business. Policy wordings
are studied in detail and we negotiate amendments if we feel this will be in
your best interests. We will liaise with expert providers, if necessary, to
obtain the best advice for you - our independence is a key factor in this area.
Handling claims
We have specialist claims personnel who will represent your interests in the event of a claim. We will negotiate with insurers and loss adjusters to bring about swift and satisfactory settlements.
"We work closely with our clients and we are friendly yet thoroughly professional."
A profitable partnership
We work closely with our clients and you will find the SGY team are friendly yet thoroughly professional. A typical account team consists of an SGY director, a senior sales executive responsible for planning, installation and maintenance of your insurance programme, and an account handler administering all matters relating to your business. There is accountability right down the line, and you can always be sure of speaking to someone who knows you and your business.