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How does Specialist Risk Insurance Solutions differentiate itself from other insurance brokers?
Our unique approach lies in how we operate, support our clients, and invest in our team. We take the time to understand the specific nuances of each client's business and leverage our specialist knowledge and extensive market relationships to develop customised insurance solutions. This personalised approach ensures that our clients receive the most effective protection for their individual needs.
What can I expect during the consultation process?
During the consultation, our team will engage with you to gain a deep understanding of your business and its unique challenges. We will then utilise our specialist knowledge to identify potential risks and recommend tailored insurance solutions. This collaborative process ensures that you receive comprehensive coverage tailored to your specific needs.
How do you determine the right insurance solution for my business?
Our specialist team conduct a thorough assessment of your business to understand its unique risks and requirements. By collaborating with you, we gain insights into your business operations and objectives, enabling us to craft a tailored insurance solution that provides optimal coverage and risk management.
How do you invest in your team to ensure high-quality service?
We invest in continuous professional development for our team, fostering an environment of learning and excellence. This commitment to growth ensures that our experts remain at the forefront of industry knowledge and best practices, allowing us to deliver superior service to our clients.
Can you cover my property outside of the UK?
We can cover your holiday homes across the world, with no limits on location. Our expert team will work with you to understand the area your holiday home is located, before crafting bespoke cover to ensure robust protection.
Can all my contents be covered in one policy?
Yes, of course. When working with a high-net-worth individual, we will carry out a thorough appraisal of all your contents, whether that is a fine art collection or prestige cars. We will then craft a bespoke policy that is tailored to your requirements and protects all your contents.
What are my options if I am unable to see a representative from Specialist Risk Insurance Solutions?
We can work with you in a range of different ways, via the phone, email, video call or by visiting your site. We can tailor our approach to suit your individual needs and requirements.
Does my trade fall within Specialist Risk Insurance Solutions appetite?
We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.
How can I travel to your London office?
We are based in the City of London at One America Square, on the 6th floor. The nearest tube station is Tower Hill, which is on the District and Circle lines.
Our office is also within walking distance of Liverpool Street Station, Cannon Street Station, London Bridge Station and Fenchurch Street Station. You can also travel on the DLR to Tower Gateway.
Where is Specialist Risk Insurance Solutions located?
Our head office is in the City of London, the address is:
One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Ireland, Kent, Berkshire, Hertfordshire, Nottingham, Bristol, Manchester, Essex, Cheshire and Gibraltar.
Will my high-value jewellery be covered no matter where I am travelling in the world?
Our specialist policies for high-net-worth individuals are provided by A+ rated insurers, ensuring robust cover, worldwide, with no restrictions.
How do you determine the right insurance solution for my business?
Our specialist team conduct a thorough assessment of your business to understand its unique risks and requirements. By collaborating with you, we gain insights into your business operations and objectives, enabling us to craft a tailored insurance solution that provides optimal coverage and risk management.
Does my trade fall within Specialist Risk’s Insurance Solutions appetite?
We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.
Can you cover my property outside of the UK?
We can cover your holiday homes across the world, with no limits on location. Our expert team will work with you to understand the area your holiday home is located, before crafting bespoke cover to ensure robust protection.
What should I do if I want to carry out some building work on my property?
All insurers need to know about any building works before they commence at your property. We would need to gather information surrounding any JCT contract signed, including whether the occupant has or has not moved out for the duration of the build, the total value of the work, the expected duration, and a description of what the work entails. Our team will then liaise with the insurer and advise next steps to provide options to ensure both the existing structure and the contracted works are covered.
I'm planning to buy a new item of jewellery, what information do you need?
When new jewellery is added to a collection through purchase, gifts, or inheritance during a policy year, we should be notified of the description and value of the item to ensure it is covered adequately. If the item exceeds the single article limit of the policy, we will then need proof of purchase or a recent valuation.
How often do my jewellery and watches need to be valued?
To ensure the values are up to date on the schedule, and to avoid disappointment in the event of a claim, most insurers require valuations every 3 years for jewellery and watches.
Can all my contents be covered in one policy?
Yes of course. We will carry out a thorough appraisal of all your contents, whether that is a fine art collection or prestige cars, before crafting a bespoke policy that is tailored to your requirements and protects all your contents.
Will my high-value jewellery be covered no matter where I am travelling in the world?
Our specialist policies for high-net-worth individuals are provided by A+ rated insurers, ensuring robust cover, worldwide, with no restrictions.
What are the benefits of using a broker instead of online comparison sites?
As a specialist broker for Private Clients, we have access to high-net-worth markets which are not available direct, or through comparison websites. We can provide a unique risk appraisal and audit your current policy documents to find a tailored policy to suit your specific needs.
We are also able to put you in touch with specialist third parties, who can assist with jewellery valuations, rebuild cost valuations, security upgrades, flood defences and more.
I have more than one property, can you cater for this?
All our private client insurers can provide cover for your portfolio, this means that we can arrange one policy to cover your main home, second homes, holiday homes, travel, and motor policies.
Can you cover my property outside of the UK?
We can cover your holiday homes across the world, with no limits on location. Our expert team will work with you to understand the area your holiday home is located, before crafting bespoke cover to ensure robust protection.
What do I need to do if the property is unoccupied?
There are no specific requirements for unoccupied properties in the first year of cover. Should the property remain unoccupied at renewal of the policy, we will confirm any requirements.
What if the insured property becomes occupied by squatters?
If you discover unauthorised persons at the property you must inform us as soon as possible. We will then confirm if any additional terms apply. You must take all reasonable measures to remove any unauthorised persons from the property and inform us of progress on a weekly basis.
How do I comply with the requirements of the Insurance Act 205 ("the Act")?
Insurers have accepted that you have made a Fair Presentation, as required by the Act, by answering the questions asked by Specialist Risk Insurance Solutions.
Insurers may ask supplementary questions or make further enquiries if they need more information.
What if I become aware that the property is not secure and/or weatherproof?
If you become aware that the property is not secure and/or weatherproof you must inform us as soon as possible. We will then confirm if any additional terms apply.
Do I need to inform Specialist Risk Insurance Solutions of changes? e.g. the property becomes unoccupied
If there any changes you must inform us as soon as possible. We will then confirm if any additional terms apply.
Is terrorism cover included?
Terrorism cover is not included.
Can you provide cover on behalf of lay executors, guardians, attorneys, or deputies?
No. However, cover can be arranged if you are acting in a professional capacity on behalf of lay executors, guardians, attorneys or deputies.
Can premium payments be deferred?
If you do not have sufficient funds to pay the premium you can defer payment until the property is sold.
How do I pay?
You can make a payment by BACS/CHAPS.
What is your minimum premium?
Our minimum premium is £150 plus Insurance Premium Tax.
Will cover include the interest of other parties?
Insurers will note the interest of any other party in the property on request.
Will I receive a refund upon cancellation of cover?
A refund will be available in the event of mid-term cancellation, subject to no claims having occurred and the application of the minimum premium charge of £150 plus Insurance Premium Tax.
Can Contents cover be removed of insured separately?
Contents cover at £50,000 is automatically included with the Buildings cover. It cannot be removed, nor can it be insured in isolation.