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February 17 2015

hungryguidebook43

Consumer Alert Regarding Direct Epargne



Consumer alertsThu 29 Jan 2015

Lloyd's has become aware following a consumer enquiry that a business known as "Direct Epargne", which purports to be a French bank, falsely alleges that it is "owned" by Lloyd's of London.

Consumers should be warned that Lloyd's has no affiliation whatsoever with Direct Epargne despite statements to the contrary in their website address, http://www.direct-epargne.com/.

Direct Epargne should not be confused with a separate business known as "Epargne Direct," about which Lloyd's has no concerns. 

Anyone with questions about this alert is asked to contact Lloyd's in writing via the following e-mail address Regulatory@lloyds.com.

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http://www.lloyds.com/news-and-insight/news-and-features/consumer-alerts/2015/column-corporation-and-down-payment-bonds

February 13 2015

hungryguidebook43

Consumer alert: Wealth Strategy/Tax Advice Schemes



Consumer alertsWed 03 Dec 2014

It has come to Lloyd's attention that certain online businesses purporting to offer "wealth strategy" schemes or UK tax advice have been advertising that individuals who join the schemes will be protected, indemnified or guaranteed by Lloyd's Professional Indemnity insurance.

The schemes are often described as some form of "PAYE umbrella" or "trust" programme for individuals described as "contractors." Lloyd's understands that these online businesses are not, themselves, providing tax or other "wealth" advice, but are "Introducers" for firms that devise and run the schemes. Introducers that have alleged the existence of Lloyd's insurance in their promotional material include Breeze Wealth, Bright Streams Tax and Asset Planning, Tandem Strategies, The Tax Experts, Gladius Consulting, Contractor Payroll Systems and Lower Your Tax Burden. Lloyd's understands that these scheme Introducers may have been alleging the existence of Lloyd's insurance in marketing materials for a number of years. For the avoidance of any doubt, individuals or "contractors" who have signed onto schemes with these or possibly similar businesses are advised that such individuals or contractors are not insured by Lloyd's Underwriters in any way and never have been, notwithstanding any representations that may have been made in the past.

NOTE that this consumer alert does not relate to tax advice companies (including accountants and lawyers) who may state that they maintain Professional Indemnity coverage at Lloyd's. This alert is solely with respect to businesses that advertise Lloyd's Professional Indemnity cover extends to members of the public who join a scheme.

Should you wish to raise any queries regarding the businesses named above--or if you become aware of other similar businesses that are asserting that Lloyd's insurance is available to those who join their schemes--please contact Lloyd's at regulatory@lloyds.com.

View All

http://www.lloyds.com/news-and-insight/news-and-features/consumer-alerts/2014/wealth-strategy-and-tax-advice-schemes

February 10 2015

hungryguidebook43

Think Simple, Apple's ad guru tells insurance industry



Ken Segall, keynote speaker at the Insurance Times Innovation and Disruption Conference, helped shaped Apple's ad campaigns

Steve Jobs was a business genius who, through Apple, transformed the way humans communicate and entertain. But he could not have done it without supporting talent.

One of those talents was Ken Segall, the creative director at Apple's ad agency. Working closely with Jobs, Segall's message of simplicity captured the hearts and minds of customers, helping Apple disrupt markets across mobile communications, computers and entertainment.

Now Segall is to be a keynote speaker at the Insurance Times Innovation and Disruption Conference. This is an event where the insurance industry can gain live insight from customer champions and innovation trailblazers including Google, Yahoo, Jaguar Land Rover and Tesco Bank.

Insurance Times spoke to Segall in advance of the event, on 28 April.

What was it like to work alongside Steve Jobs for 12 years?

Steve was by far the most demanding client I've ever had, but he was also the most brilliant and most creative. So, being in the business of creating advertising, working with Steve was simultaneously stressful and rewarding.

Unlike any other chief executive I've known, Steve had a passion and talent for marketing. Ad agency people are used to "selling" ads to their decision-making clients, but it didn't work that way with Steve. He would simply react to the ideas we presented, and a healthy debate would follow.

Sometimes he would enthusiastically approve a direction, other times he would have a sense that we should take more time and try new things.

He had a very high level of taste when it came to advertising, just like he did when he judged the work of his designers and engineers.

He set very high standards for the Apple brand, and he would never approve anything unless he felt that it met those standards.

Others have said it, so I just repeat it: Steve had a way of getting people to produce better work than even they thought possible. That was certainly

true of me.

How do you engage customers when there's so much noise and choice in the market?

This is the value of simplicity, which is probably the most important part of communication. If you're a company with something to sell, there are three things necessary to maximise the power of simplicity: 1) a great product; 2) a simple, clear strategy; and 3) graphically simple communication.

Probably the most common mistake advertisers make is to overwhelm customers by telling them about all the wonderful things their product

can do.

They fail to realise that when you try to say too many things in an ad, most people will remember none of it. Apple has always been very good about saying one thing, and saying it well. It's one of the reasons why Apple advertising is considered the industry's gold standard.

You helped develop Apple's famous Think Different campaign; how do you think the insurance industry should approach thinking differently?

I feel a little inadequate answering that question, since I'm not deeply immersed in your current tactics.

In general, though, with the power of social media, the most important goal is getting people involved - because potential customers are more influenced by what they hear from friends, family and colleagues than from anyone else. It's about creating a community, and creating a dialogue that has real meaning.

A friend of mine, Allison Fine, has just published a book on this topic called Matterness. Allison talks about the importance of establishing relationships with customers that truly matter. The insurance industry in particular would benefit from this kind of thinking.

Are you excited to be headlining the Insurance Times Innovation and Disruption Conference?

Absolutely. When I wrote Insanely Simple, my thinking was that Apple makes a perfect case study for simplicity because: a) the company is so fascinating, and b) its stellar success proves the validity of the concept, and c) the principles of simplicity are far bigger than Apple - and can be applied to just about every industry.

And so, what excites me most about speaking is sharing my story with people in a different industry, and hearing their thoughts and reactions. It's a topic that everyone can relate to, and everyone can support - as a business person and a customer.

After all, who isn't in favour of more simplicity in this world? Simplicity is the most powerful force in business, and I'm looking forward to talking about it more in April.

Join the debate at our Insurance Times Underwriting Forum on LinkedIn

http://www.insurancetimes.co.uk/think-simple-apples-ad-guru-tells-insurance-industry/1411563.article

February 06 2015

hungryguidebook43

Get your motor running: the retirement crowd going for motorcycle burn-ups



The number of over-50 silver-riders climbing aboard a motorbike is roaring ahead: they now account for some 30% of all spending on bikes. Photograph: Tim Platt/Getty Images

It's not so much a case of Born To be Wild as born to be mild: a new generation of bikers is taking to the road, and they are not twentysomething speed freaks but sensible fiftysomethings.

The number of over-50 silver-riders climbing aboard a motorbike is roaring ahead: they now account for some 30% of all spending on bikes - a total of £340m last year - up from 17% just seven years ago.

Saga, the insurance and holidays company that specialises in the over-50s, underlined the growing trend, spending £26m to snap up the motorbike insurer Bennetts, which specialises in providing cover for trophy rides such as Harley Davidsons, Triumphs and Ducatis.

Related: Saga roars into middle-aged biker market with new acquisition

Some 43% of its clients are into their sixth decade, and 77% are over 40 - with many new to two wheels. Almost 3,000 over-50s passed their motorbike driving test last year.

And they like to dress the part and have the best gear - a report for Saga by the Centre for Economics and Business Research thinktank, due to be published next month, shows that spending by these aging bikers on bikes, helmets and other related equipment is growing 10 times as fast as those in younger age groups.

Saga's decision to buy Bennetts comes after a year when sales of motorbikes rose 10% - the biggest increase in five years, according to the Motorcyle Industry Association (MIA). The MIA said its own separate research shows that there has been an increase in over-50s looking for motorbike insurance every year since 2009.

Many may be rediscovering the carefree days of their youth - when Barry Sheene was Britain's world 500cc champion and a global superstar. According to a Saga survey 40% are returning Easy Riders, who are coming back to biking, having tried it out in their younger days. More than 80% said the main attraction was "the freedom of the open road".

The top three motorbikes on Saga's insurance database of older riders are all sport bikes or tourers. The most popular is the Suzuki Bandit, some models of which are popular with stunt riders and wheelie schools. The Honda VFR and Honda CBR and are the other top bikes.

Stephen Latham, head of the National Motorcycle Dealers Association (NMDA), said: "People who are riding for enjoyment tend to go for a racing bike, something that they can enjoy the thrill of, or they go for the 'cruiser market' such as the Harley Davidson or Triumph where riding is more about companionship."

Saga spokesman Paul Green said for many it is a fun alternative to a second car: "There's an increasing number who can now afford to have a bike, as well as a car, and are taking their bike test for the first time."

Hugo Wilson, editor of Bike magazine, said: "If you start motorcycling now in your 50s, there is a good chance you always wanted a bike in your youth but never got one. Now you might have the money as well as the time and commitment."

He added that it had become more difficult and expensive for younger people to get a bike licence in recent years.

But the increase in older motorcyclists is not just down to older men on big bikes. Motorbike insurance specialist Carole Nash said there has also seen a rise in the number of female riders over the age of 50. In 2011, women of this age made up 14% of its customer base; in 2014 this had risen to 20%.

Professional British motorbike racer Maria Costello said she had noticed more mature riders visiting her Facebook page, Woman on a Motorcycle.

"Everyone who joins my group puts up a picture of themselves and we had quite a few over the age of 50 join recently," she said. "I get the impression some are coming back to this, though there are many more who are new to it."

Rob Farmer, 52, discovered motorbikes as a teenager and has never looked back.

"It's one of those things, it gets in your blood and you've had it. Once you try it, it's fantastic. It has never left me and I never tire of it," said the building and energy management system engineer, who lives in Loughborough, Leicestershire.

"My dad took me to the speedway when I was tiny, and that whole thing of the noise, the bikes, the smell, it stayed with me. My first bike, when I was 17, was a Suzuki 120.

"I think riding a motorbike is very liberating, and every opportunity I get I am out on the bikes. I'm not a speed freak. I've got five bikes and none of them is particularly quick. It's about having the sort of bikes that give you a bit of passion.

"On a motorbike you have a lot more freedom. You can sense everything; the smells, the rain. You are out there in it, living it, not just looking through a windscreen, so it's a lot more real.

"It's a big social thing. A lot of my friends are guys I started riding with when I was 17. When I was doing an apprenticeship, everybody else at that time at college all rode motorbikes.

"There are not many younger people coming in to it. But we do get some younger people who try it and get the bug, and that's it, they're off.

"A lot of us are the same age. But we have a chap in our street who is well into his 70s, and a friend's uncle who is in his 80s, and they still ride.

"My friends and I meet up, go for rides, travel to places in the summer. I went to Istanbul with one and that was a decent trip. You just meet a lot more people on the way who probably wouldn't talk to you if you were passing through in a car. It makes you more accessible to other people.

"We will get to a point where the joints seize up. But I will carry on as long as I am able to. I used to ride in all weathers, but now won't do the long trips if it's too cold.

"My wife isn't too bothered about travelling on the bike so I'll have a couple of trips a year without her. We had a terrible trip to France a few years ago and she got off when we got back and said: 'You know, I'm not bothered about going by bike anymore.'"

http://www.theguardian.com/society/2015/jan/28/motorcycles-older-riders-insurance-increase-retirement

February 03 2015

hungryguidebook43

REVEALED: how corporates rate brokers and insurers



Findings of Insurance Times sister publication StrategicRISK's UK Corporate Insurance Buyers' Survey 2015 suggest major brokers and insurers are failing to keep pace with changing corporate expectations

Major insurers and brokers are failing to keep up with the rapidly changing demands and expectations of the UK's largest corporate businesses.

That is the key finding of The UK Corporate Insurance Buyers' Survey 2015 produced by Insurance Times sister publication StrategicRISK, aimed at leading risk professionals.

Research was undertaken in the fourth quarter of 2014 among a cross section of StrategicRISK's UK readership of corporate risk managers and insurance buyers representing FTSE 250 companies or those of a similar size in the private sector.

Although they remain solid on traditional industry basics, insurance and broking firms need to evolve significantly to maintain relevance for corporate clients. From a perceived lack of innovation to concerns around understanding fully the constantly shifting nature of globalised commercial requirements, the service provided often falls short of what is or will soon be needed by insurance buyers and risk managers.

SR survey graphic small

Click here for a larger version

Failing to keep pace

Many insurers and brokers provide exceptional service to clients, but it is often patchy or sector specific. One respondent said: "Some insurers are delivering what we need with some products, but if we are talking about insurers delivering across the board then the answer is no ... insurers are failing to keep pace with the complexities of large multinational organisations in terms of understanding our needs and, for some, their ability to deliver anything that is of value aligned to those needs."

Survey respondents were able to talk freely and frankly in exchange for anonymity - and they did. Claims was one area that elicited some particularly strong responses. "Certainty of payment is absolute when it comes to claims," said one respondent. Another, citing a previous bad experience, said their company judged insurance partners "in terms of claims settlement, attention to detail and flexibility".

Claims battleground

Problems with claims were potentially fatal for the insurance partnership. For example, one insurer was lambasted for turning claims into a "battleground" because they "lost the plot" in terms of who was dealing with them. Ultimately, this insurance buyer terminated the relationship.

On brokers, many respondents were critical of the changing nature of the market, with one suggesting that the broking industry had "cannibalised itself" and "left large corporates with less choice" and "less recourse to alternatives and innovation".

Clearly, while the needs of every individual business are unique and depend on a range of often different factors, some overall conclusions can still be drawn about the state of the UK insurance and broking industry in relation to large corporate clients.

Get your copy now

To purchase copies of The UK Corporate Insurance Buyers' Survey 2015, contact Tom Byford: email tom.byford@strategic-risk-global.com or telephone +44 (0)20 7618 3081

It's not all bad ...

With risk managers and insurance buyers able to speak anonymously, many took a tough line on what they thought was needed in the changing market, particularly during the longer supplementary interviews conducted with respondents.

As a result, although criticism is extensive, broadly speaking the results still indicate most insurers continue to provide a viable and valued service for corporate clients. Seven of the largest insurance companies featured in the survey scored more than 4.00 out of 5.00 in terms of overall general service, which indicates an appreciation of insurer performance among risk managers and insurance buyers.

Bespoke solutions

Look beyond the top line, however, and there are inconsistencies across the board, with no single insurer getting close to service perfection in anything other than specialist areas (FM Global). Many respondents cited irritation at being offered "products" rather than "bespoke solutions" to their unique business situations. 

Not all insurers are culpable, but the industry as a whole has some way to go to rectify this, particularly around more complicated and technological issues such as cyber.

Brokers are generally very good at doing what you ask them to and not necessarily what you need."

Survey respondent

Meanwhile, the broker space has undergone substantial change in the past decade on several levels, with a greater emphasis on risk consulting and other services. 

Yet corporate clients tend to dismiss many such service offerings. Innovation and tools for better understanding risk was the only area of broker operations that participants consistently rated below 4.00, scoring 3.92. This indicates that appetite is limited for some broker services, with several respondents calling them "irrelevant". 

One respondent said that being proactive should not mean "the broker trying to upsell things ... they do too much of that". Another said: "Brokers are generally very good at doing what you ask them to and not necessarily what you need."

Indeed, overemphasis on non-specific sales is also criticised, with one interviewee imploring brokers to ensure "service does not come a poor second to selling products".

'Less choice'

Against this background of diversification in terms of providing new services, the broker dynamic has also shifted, with two major players, Aon and AJ Gallagher, growing rapidly through acquisition.

While this has boosted the big firms' market share, it leaves large corporates with "less choice" and "less recourse to alternatives and innovation", one insurance buyer said.

Others argue that many brokers have become detached from customers because of their size and bemoan that by trying to be "all things to everyone" they end up providing little of genuine or meaningful value.

Yet, while large brokers continue to grow, it is the people working within them that matter most to those surveyed.

One insurance buyer said of their broker: "There are some very credible individuals working there, so much so that these people are now engaged in dealing with our senior management who are far higher up in the organisation than I am - and this is excellent."

What corporate insurance buyers want from insurers

Long-term partnership but, as one commented: "We have to constantly remind them that our relationship is not something that should be taken for granted"

Recognition of good risk management and corporate governance "reflected in the pricing of my risks"

Not invoking or 'hiding behind' reservation of rights: "I am not interested in an insurer that will invoke an automatic reservation of rights"

Continuity: "We changed a key insurer, primarily because of changes in personnel"

Flexibility: "Too many insurers still operate in silos such as cyber"

Time to be creative: "We are not looking for off-the-shelf products but bespoke solutions and that does not happen overnight"

What corporate insurance buyers want from brokers

More choice: "Unless you want to be particularly adventurous, you are left with a choice of three or even two brokers and that is really not a healthy situation"

More expertise: "[There has been] a reduction in the technical approach among larger brokers"

Openness: "It must be an open relationship and very much a tripartite one. We need to be one team"

Fee transparency: "It would concern me more that I did not know rather than the actual details of who receives what"

SR cross-brand inline graphic

http://www.insurancetimes.co.uk/revealed-how-corporates-rate-brokers-and-insurers/1411581.article

January 30 2015

hungryguidebook43

Lloyd's syndicates provide rescue solution to round-the-world sailors



Volvo Ocean RaceFri 21 Nov 2014

Lloyd's syndicates have provided an innovative solution to the problem of getting damaged ocean-going racing yachts and their crews home safe and sound, a solution now being used by teams taking part in the Volvo Ocean Race.

Rescue kite

Led by specialty yacht underwriting agency R&Q Marine through its 'Racecover' facility, the group of Lloyd's syndicates are providing 'Rescue Kites' to the seven racing yachts taking part in this year's Volvo Ocean Race, the second leg of which set off from Cape Town on November 19.

The move by R&Q Marine and the syndicates, which also provide race insurance to the teams competing in the round-the-world race, is designed to improve safety and help mitigate losses in one of the world's toughest sailing competitions.

"The Rescue Kite should make a big difference in terms of getting crews home faster and safer," said Paul Miller, Director of Underwriting at R&Q Marine. "And by providing a 'get you home capability' to crews, the Rescue Kite should also help control the cost of claims," he said.

Innovative solution

A snapped mast or keel can leave an ocean racing yacht adrift and difficult to reach in order to rescue the crew and salvage the vessel, explains Miller. Although getting crew off safely is the primary focus, vessels have been lost in the past because salvage has not proved practical, he said.

"We needed to find a common sense solution to a real problem for crews sailing in remote oceans, and the Rescue Kite was a concept that, we felt, fitted the bill. We have tested the Rescue Kite and proved that it can work. But this is the first time that it has been used in a racing environment," he said.

All stowed away

Developed by yacht and risk management consultant QXI International in collaboration with R&Q Marine, the Rescue Kite looks similar to those used by kite surfers, but obviously much larger, explains Miller. It is designed to be easy to set up and when not in use, is light weight and easily stowed away.

"The Rescue Kite is a small piece of kit that doesn't take up much room," according to Miller. "So its benefits outweigh any concerns for a potential effect on the yacht's performance," he said.

Ground breaking

QXI International is now working on enhancements to the design and is developing Rescue Kites for other classes of ocean and offshore racing yachts.

"We supported the Rescue Kite concept and have sponsored its use in the Volvo Ocean Race to help raise its profile and encourage its wider use. We hope that the Rescue Kite will be used in other offshore races in the future, although there is no reason why any sailors engaging on ocean voyages couldn't use such a kite," said Miller.

Challenging risk

The Volvo Ocean Race, which started in Alicante in October, covers a gruelling 71,745 km over nine months, visiting 11 countries on five continents. The seven professional race teams taking part are all insured at Lloyd's, where syndicates provide the physical damage and liability cover before, and during, the racing.

Providing insurance cover for high performance yacht racing is complex, especially given the extreme weather conditions and technology involved in the sport, according to Miller. "These vessels are pushed to the limit, racing hard in remote areas, achieving some 500 to 600 miles each day, twenty four hours a day during the race," he said.

For underwriters, the key is to understand the technical and design elements in building high-performance racing yachts, according to Miller. For example, R&Q Marine has worked closely with Volvo to help underwriters get comfortable with the risks, using surveys and scanning technology to test the most stressed equipment, like masts, rudders and keels, he said.

"That way we try to eliminate the risks of design and build faults, enabling underwriters to focus on insuring fortuity," said Miller.

View All

http://www.lloyds.com/news-and-insight/news-and-features/market-news/industry-news-2014/lloyds-syndicates-provide-rescue-solution-to-round-the-world-sailors

January 19 2015

hungryguidebook43

Festive proposals

January 18 2015

hungryguidebook43

New Years Eve celebrations

hungryguidebook43

Appeal to Northamptonshire employers as new figures underline importance of workplace safety

hungryguidebook43

New Years Eve celebrations

hungryguidebook43

Firm fined after worker suffers severe burns

January 15 2015

hungryguidebook43

Becoming an affiliate



27/11/2014

As one of the UK's leading event insurers we see firsthand on a day to day basis the devastating effect a potential mishap can have on any event, not to mention the possibility of the entire cancellation.

Since establishing in 1996 the company has evolved a professional and original approach to acknowledging clients needs by developing insurance policies with the consciousness that every event is unique and individual and that as a company we are relied upon to provide the most comprehensive and appropriate cover.

We don't underestimate the damaging effects caused when something goes wrong during an event, whatever the occasion. With our Affiliate Scheme in place, both the client and the venue can rest assured that they are protected against accidental mishap.

By simply recommending us as an insurer, the venue can earn commission every time a client takes out a policy with us, offering protection for both the venue and the client.

Benefits of working with us

o The client gets the financial security of a first class insurance cover

o The venue or organisation gets the financial assurance that the client is fully covered

o The venue or oraganisation are automatically awarded 15% of each premium paid to us

o Staff benefit from regular chocolate related monthly prizes

As a core distribution channel for the niche market, we have aligned ourselves with some of the country's top wedding and event venues creating a mutually rewarding affiliation. This is a contract free relationship which requires minimal input but results in financial security for both your clients and the organisation.

Interaction with all our affiliates is paramount in building on their continued support, with regular marketing material, promotional items and social engagement via viral channels, this indispensable engagement is achieved, enabling us to keep the brand fresh and relevant, while daily communication and contact with our markets ensures they are always up to date with our products.

Through media platforms such as Twitter, Facebook, blogging websites and Pinterest, we are able to continually build brand awareness, giving the company a voice and allowing us to reach out and create relationships with venues, brokers and direct clients, building a sense of online community.

You can't foresee the unforeseeable, but with adequate insurance in place, we can make sure that you're prepared, should anything happen. After all, peace of mind is priceless.

Back to blog list

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January 11 2015

hungryguidebook43

Waste company fined over worker's life-changing injuries

January 06 2015

hungryguidebook43

Judith Hackitt's 'Risk Assessment' - It's all about the people



It's all about people...

31 December 2014

Forty years ago, on 1 January 1975, HSE was formally established, some six months after the Health and Safety at Work Act.

Last year we and many of our stakeholders noted the 40th anniversary of the Act itself. Many commented on the extraordinary resilience and adaptability of the legislation which has enabled those sound principles to be applied to a constantly changing work environment and has delivered one of the best workplace health and safety regimes in the world.

Read more

About this blog

In this regular blog, the HSE chair Judith Hackitt will cast her eye over developments in the world of health and safety - many of which go unnoticed by the media.

She will give her own assessment of some of the underlying issues in the public debate about how we manage risk in British workplaces, and make a strong case for putting common sense and proportionate decision making at the heart of our approach.

While some stories speak for themselves, others bear a closer analysis and through this blog Judith Hackitt will offer her perspective as the woman leading Britain's workplace safety and health watchdog.

January 01 2015

hungryguidebook43

Case 340 - Hot drinks not allowed in a health centre



Issue

A local health centre has a flashing notice saying that the Practice Manager does not allow hot drinks in the surgery because of health & safety regulations.

Panel opinion

The practice manager's decision to ban hot drinks from the waiting room seems a sensible way to avoid scalding accidents in a busy area and to avoid spills and mess in an environment which needs to be kept clean and tidy. It would be much better if this was properly explained though rather than just resorting to "for health and safety reasons".

December 27 2014

hungryguidebook43

Northamptonshire firms fined for asbestos failings

December 22 2014

hungryguidebook43

Festive proposals

December 18 2014

hungryguidebook43

2015 Shows

December 14 2014

hungryguidebook43

Engineering firm in court after worker loses tip of finger

December 09 2014

hungryguidebook43

Becoming an affiliate



27/11/2014

As one of the UK's leading event insurers we see firsthand on a day to day basis the devastating effect a potential mishap can have on any event, not to mention the possibility of the entire cancellation.

Since establishing in 1996 the company has evolved a professional and original approach to acknowledging clients needs by developing insurance policies with the consciousness that every event is unique and individual and that as a company we are relied upon to provide the most comprehensive and appropriate cover.

We don't underestimate the damaging effects caused when something goes wrong during an event, whatever the occasion. With our Affiliate Scheme in place, both the client and the venue can rest assured that they are protected against accidental mishap.

By simply recommending us as an insurer, the venue can earn commission every time a client takes out a policy with us, offering protection for both the venue and the client.

Benefits of working with us

o The client gets the financial security of a first class insurance cover

o The venue or organisation gets the financial assurance that the client is fully covered

o The venue or oraganisation are automatically awarded 15% of each premium paid to us

o Staff benefit from regular chocolate related monthly prizes

As a core distribution channel for the niche market, we have aligned ourselves with some of the country's top wedding and event venues creating a mutually rewarding affiliation. This is a contract free relationship which requires minimal input but results in financial security for both your clients and the organisation.

Interaction with all our affiliates is paramount in building on their continued support, with regular marketing material, promotional items and social engagement via viral channels, this indispensable engagement is achieved, enabling us to keep the brand fresh and relevant, while daily communication and contact with our markets ensures they are always up to date with our products.

Through media platforms such as Twitter, Facebook, blogging websites and Pinterest, we are able to continually build brand awareness, giving the company a voice and allowing us to reach out and create relationships with venues, brokers and direct clients, building a sense of online community.

You can't foresee the unforeseeable, but with adequate insurance in place, we can make sure that you're prepared, should anything happen. After all, peace of mind is priceless.

Back to blog list

Share this:

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