Do you want to succeed?

Most people do. Understandably, entrepreneurs and business owners aim for the sky and focus on positive outcomes, but running a business is not always a bed of roses. There is a dark side where things can and do go wrong. Being prepared will enhance your chances of success.

We are not here to tell you insurance will cover all your risks, as it will not. However, we do want you to think about your risks, and how we can help manage some of them with insurance.

We truly believe that those businesses that prepare for the bad as well as the good have a better chance of success, and we want to help play a part in that journey as your trusted risk and insurance advisor.

Sectors we can help

We help you consider your risks and insurance whatever your business sector and size.

All businesses are unique with different perceptions of risk and what they want insurance to cover.

If we feel that we cannot arrange a particular cover because it is scheme specific, we will tell you and signpost you there.

Speak to us today to find out more about how we can help your business.

 

Most Purchased Types of Cover

Employers Liability
Cover when an employee claims compensation for illness or injury that they believe has been caused by their work and your negligence.
Public/Products Liability
Cover to protect you against injury to others or damage to their property because of your business activities or the products you manufacture, supply, or sell.
Buildings/Tenants Improvements 
Cover for damage to buildings because of certain events including fire and flood.
Business Equipment
Cover for damage/loss of items from certain events such as fire, flood, and theft.
Business Interruption 
Cover for lost income to the business following insurable damage at your premises. Cover can extend to suppliers/customers where they suffer damage that affects your income.
Professional Indemnity
Cover for third party claims (from clients) where you are accused of professional negligence, i.e., errors, omissions, poor advice, or designs. Cover can be tailored for those in the medical/health/beauty sectors.
Cyber Insurance
Cover for notification costs, forensics, legal expenses, PR/crisis management costs and loss of income (business interruption) where there is a data breach. It also protects against third party claims for breach of privacy and any “insurable” fines or penalties.
Directors and Officers Insurance
Cover for the Directors or Officers of the business where they may be sued for failing in their duties. You could be sued by anyone from members of the public, investors, creditors, HMRC, HSE, or even the Police where you have failed in your duties as a director/officer of the business.
Legal Expenses
Cover for your own legal costs for various legal matters including contract and employment disputes, debt recovery and tax investigation protection.
Travel Insurance
Cover for medical expenses, cancellation, lost or stolen baggage etc. for trips abroad.
Motor Insurance
Protection for damage to your vehicles and third-party losses where you cause an accident.
Marine and Cargo
Cover for damage to or theft of stock whilst moving around the world including whilst in temporary storage.

Are you looking for professional advice for your business or industry?

There are many other commercial insurance covers that you may need to consider, let us guide you

How we helped R W Projects South West Ltd

RW are a successful and rapidly growing business in the construction trade. In 2019 they approached us as their current covers excluded working at railway stations. This exclusion had been applied unbeknown to them, even though they used an insurance advisor. They needed an advisor that would work with them – explain the pertinent terms and conditions of their insurance and help make sure they had their main risks covered off. We found them a solution that did this and now work in collaboration as their business grows and develops.

Emily and Steve Working at laptop
green-maze

How we helped Legio XX Ltd

This is a new start up consultancy business working in the due diligence field on mergers and acquisitions. They had already approached two insurance advisors before they came to us and felt they were hitting their head against a brick wall. We listened and matched up an insurance solution that worked for them and in their own words

hopefully you have helped to launch an exciting business; it is no flattery to say “we could not have done it without you”.

We are here to guide you
through the entire process

Step 1: Let's have a chat

Our process starts by us getting to know you and your business. We don't target specific sectors or focus on particular types of insurance, so whatever your needs are, a conversation is the best place to start. The initial call will last between 30 and 60 minutes. We will discuss what you do, the insurances you have or need, and the other risks you may want to consider covering.

Step 2: We may need to visit you

Where your business is more complex or you are reliant on property, we will want to come and see you and the business before moving to quote stage. This is for our own due diligence. It is vital that we understand your operational risks to be able to tailor an insurance programme to your needs. This meeting will generally last 60 to 90 minutes.

Step 3: Obtaining insurance quotes

If you want to work with us, we will start to put some proposals and recommendations together based on our discussions. We are also happy to audit your existing insurance coverage to identify any gaps/concerns. If you are not regularly updating your insurance advisor when there are changes in your business, this process could be invaluable as things may have been missed.

Step 4: It's time to instruct us

You can pick and choose which insurance covers you want based on our recommendations and we will put these in place. We have now become your trusted insurance advisor.

Step 5: Working in collaboration

Whilst insurance is generally an annual contract, your duty to inform the insurers of any changes in your business is a continuous one. This is important if your business is at rapid growth stage as it could jeopardise any claims if you are not updating your insurers. We can take a proactive or reactive approach depending on your needs and expectations for the business over the 12 months.

Step 6: Here when you need us

If or when the bad does happen, we will be there to guide you and challenge insurers where necessary. Insurance will not cover all your risks, but we believe it is important for you to understand what it does or does not cover. That takes time, collaboration, and trust.

Steps 1 to 3 cost you nothing. We only get paid when you decide you want us to become your trusted risk and insurance advisor. All costs will be outlined at step 3 for your consideration.

We are here to guide you
through the entire process

Step 1: Let's have a chat

Our process starts by us getting to know you and your business. We don't target specific sectors or focus on particular types of insurance, so whatever your needs are, a conversation is the best place to start. The initial call will last between 30 and 60 minutes. We will discuss what you do, the insurances you have or need, and the other risks you may want to consider covering.

Step 2: We may need to visit you

Where your business is more complex or you are reliant on property, we will want to come and see you and the business before moving to quote stage. This is for our own due diligence. It is vital that we understand your operational risks to be able to tailor an insurance programme to your needs. This meeting will generally last 60 to 90 minutes.

Step 3: Obtaining insurance quotes

If you want to work with us, we will start to put some proposals and recommendations together based on our discussions. We are also happy to audit your existing insurance coverage to identify any gaps/concerns. If you are not regularly updating your insurance advisor when there are changes in your business, this process could be invaluable as things may have been missed.

Step 4: It's time to instruct us

You can pick and choose which insurance covers you want based on our recommendations and we will put these in place. We have now become your trusted insurance advisor.

Step 5: Working in collaboration

Whilst insurance is generally an annual contract, your duty to inform the insurers of any changes in your business is a continuous one. This is important if your business is at rapid growth stage as it could jeopardise any claims if you are not updating your insurers. We can take a proactive or reactive approach depending on your needs and expectations for the business over the 12 months.

Step 6: Here when you need us

If or when the bad does happen, we will be there to guide you and challenge insurers where necessary. Insurance will not cover all your risks, but we believe it is important for you to understand what it does or does not cover. That takes time, collaboration, and trust.

Steps 1 to 3 cost you nothing. We only get paid when you decide you want us to become your trusted risk and insurance advisor. All costs will be outlined at step 3 for your consideration.

Graham Preston

Business Director, SFL Group

Emily’s attention to detail, knowledge of the industry and level of customer service is second to none and the reason we have chosen her to provide our insurance services for the last 10 years.

Christopher Fooks

Founder & Director of Lacuna Wills

I have been impressed with the service, communication, and ease in dealing with Sense Risk Solutions.

Any questions or further information has always been responded to promptly. Plus, all the team are very friendly and easy to talk with. I would recommend this company without hesitation!

Robert Windmill

Director, Legio XX Limited

Many thanks for this, hopefully you have helped to launch an exciting business; it is no flattery to say “we could not have done it without you”.

Lisa Jones

Director, Headstrong Training Ltd

I recently underwent some big changes in my business and as such, needed to look at new business insurance. I spoke to Sense Risk as I knew that they would be able to help with the slightly more complex nature of my insurance needs. Sense Risk very quickly came back to me with some quotes and information explaining everything very clearly. From our first meeting, I was incredibly impressed with Sense Risk’s knowledge and expertise. They made the whole process simple and easy with no jargon and insurance speak but understandable language that was transparent. I wouldn’t hesitate recommending Sense Risk to anyone looking for business insurance. Thank you so much for making this so easy!

James Hewitt

Joint Managing Director, Stonehill Office Right Ltd

It was nice to get to deal with an expert with plenty of knowledge, as with my previous experience with Insurance Brokers, it often feels like we were dealing with an office junior, not an expert with plentiful experience in the field. We did have numerous communications back and forth, which Sense Risk handled including showing us cost savings on both policies. So, I would have no hesitation in recommending Sense Risk to any business!

Debra Spurway

Director, DS HR Limited

As a small business owner, time can be so valuable that it is easy to just make the same decisions about insurance by doing the same as we did last year. I was introduced to Sense Risk Solutions by a fellow associate. Emily and Steve were nothing less than attentive to my businesses needs for insurances of many types, but led the process and took the finite detail out of my hands. At the same time, there was no stone unturned about what risk could be there and how to make sure that they had not only provided me with the best level of cover and providing reassurance; but at the same time saving me near £800 on my previous years insurance fees. From my experience, all business owners should undertake a market review annually led by Sense Risk Solutions.

Not sure where to start?
we are here to help you today

We know that finding the right insurance for your business is like navigating your way through a maze. Don't worry if you aren't sure what types of insurance you need, arrange a call with one of our team and let us see how we can help you.

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