commercial insurers that stand out

You have much choice within the UK marketplace of commercial insurers. There are a multitude of direct insurers and brokers all saying much the same thing. For the business person or business owner who is tasked with finding suitable commercial insurers, it can be a daunting task.

To make your life as simple as possible we list the key points that make Carvel different - These are the reasons we stand out:

Highly Competitive Quotes - Not Empty Promises

Yes, there are many commercial insurers competing for your business. Rather than just say “we provide cheap business insurance”, Carvel is happy to tell you how we operate in order to illustrate the value we can pass onto you.

•Carvel has an aggressive pricing strategy.

This means that we set our earnings and commissions purposefully low in order to win & retain customers

•Carvel are an independent commercial insurers.

We are not tied to any one insurance company so can negotiate agreements with big panels of insurers & underwriters. We go out to them all in order to find you the best price in the market.

•Through our close links in the City we deal directly with Lloyds based underwriters and major commercial insurers. Our contacts and agreements with the big commercial insurers are not made with regional offices (like many regional insurance brokers), but directly with the City institutions. This gives us the advantage of being highly flexible in negotiations & being quicker to turn around more complex policy cover.

•Carvel does not have to pass huge marketing overheads onto customers. Most of our business comes from word of mouth, so we do not inflate your policies to offset large marketing budgets.

Advice - Not Just Sales

No Call Centres or Web Quotes

Carvel is able to offer advice on business risk and insurance matters as and when required, even when not directly related to your policy. We are experts in commercial insurance and offer free advice as a value added service. Our free insurance risk reviews sometimes find that businesses are incorrectly insured or underinsured. In most of these cases Carvel can take steps to cover the business risks properly whilst making cost savings for the business.

At Carvel you speak to a real person. It’s not much to ask when contacting commercial insurers although we often hear tales of call centre frustration. Carvel has a small, focused team of professionals dedicated to providing commercial insurance advice and cover. Perhaps one day all insurance will be sold over the web, but for now most attempts to automate commercial insurance fail, except in the case of the most simplistic type of policies. To fully mitigate a business’s risks, a conversation or meeting with a qualified insurance professional is almost always required.

Dedicated Claims Handling Service

For that time when you do make a claim, the chances are that you will be preoccupied with the smooth running of your day to day business. In times of stress or crisis most businesses people do not wish to be dealing with loss adjusters and large insurance companies. Carvel offers a dedicated claims handling service that enables our clients to have just one point of contact whilst making a claim - however complex it might be.