We understand

that there are a multitude of insurers to choose from when sourcing commercial insurance cover. For

the business person or business owner who is tasked with

finding suitable insurance, this can seem like a daunting task.

So to help you, we have highlighted below...

4 Considerations in selecting commercial insurance cover

4 Reasons that Carvel stands out from the pack (scroll down)

You should seek to mitigate your business risks

Be satisfied that you can secure the best possible price

Find the best possible solution quickly, in a hassle free manner

Be sure the ongoing administration and claims assistance is of a high standard

You must be satisfied that the insurance organisation that you

deal with fully understands your operational and trading risks in order to recommend adequate commercial insurance cover.

You are aware that the commercial insurance cover market is a competitive one, so you will expect keen prices and to be presented with multiple quotations to select from.

Although an important part of an organisation, ‘your business insurance’ is unlikely to be your primary day

to day concern. You will want to settle on a reputable insurance provider with a minimum input of your resources.

Dealing with a claim can be a complex and time consuming affair – often occurring at a time when you have to deal with more important business continuity matters. You should be happy that your business insurance and claims will be administered promptly with the least amount of hassle for you and your employees.

Carvel Insurance Brokers pay careful attention to each of these points. By specialising only in commercial insurance cover, Carvel have a focused understand our customers and have differentiated ourselves in the market place.

These are the 4 reasons Carvel stands out :

Highly Competitive Quotes - Not Empty Promises

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

•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 insurance broker. This means we are not tied to any one insurance company but have negotiated agreements with big panels of insurers & underwriters. We go out to them all in order to find you the best price commercial insurance cover.

•Through our close links in the city we deal directly

with Lloyds based underwriters and major insurers. Our contacts and agreements with the big 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

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 cover and see this as a value added service. Not only does Carvel have a track record of making savings on commercial insurance cover but we often find that some businesses are incorrectly insured or underinsured. In most cases we can properly cover the business risks and make cost savings for business at the same time.

No Call Centres or Web Quotes

Speak to a real person. It’s not much to ask when you need to discuss your business insurance. We often hear tales of call centre frustration. Carvel has a small but focused team of professionals dedicated to providing commercial insurance cover. Perhaps one day all insurance will be sold over the web, but for now most attempts to automate commercial insurance cover 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 more than dealing with 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 the claim might be.

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