The Business Insurance Bureau

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Bob The Broker

Hi, I’m Bob the Broker. I’ve been saving the futures of businesses for over 35 years, and can tell you stories about insurance disasters that will make your hair stand on end! But for now, here are some important things I feel you should know about that directly affect you, and your business.

Getting your insurance right isn’t expensive or disruptive - it’s about spending time, more than money. I’ve seen it too many times before, lives and livelihoods ruined over ‘saving a few quid’, yet squandering the future…

That’s why on the morning after the fire, on the afternoon of the fatal accident, on the night all your money and data is stolen, all that stands between your business’s future, your livelihood, and utter oblivion - is the integrity, professionalism and congruence of your business insurances. Relaxed, professional, good humoured, easy on the mind – it’s who we are and what we stand for. So take a look around, see what we’re about and give us a call to discuss how we can help to secure your future.

Bob The Broker

Hi, I’m Bob the Broker. I’ve been saving the futures of businesses for over 35 years, and can tell you stories about insurance disasters that will make your hair stand on end! But for now, here are some important things I feel you should know about that directly affect you, and your business.

Getting your insurance right isn’t expensive or disruptive - it’s about spending time, more than money. I’ve seen it too many times before, lives and livelihoods ruined over ‘saving a few quid’, yet squandering the future…

That’s why on the morning after the fire, on the afternoon of the fatal accident, on the night all your money and data is stolen, all that stands between your business’s future, your livelihood, and utter oblivion - is the integrity, professionalism and congruence of your business insurances. Relaxed, professional, good humoured, easy on the mind – it’s who we are and what we stand for. So take a look around, see what we’re about and give us a call to discuss how we can help to secure your future.

Making it cheaper, by doing it right

Doing it right is more important than making it cheaper,  But we make it cheaper, because we do it right

How we make it cheaper, by doing it right

On the morning after the fire, neither you nor I, the fire officer, the H&S executive, the police, the ambulance service, the loss adjuster, your insurers, bankers, suppliers, customers and staff – no one, in fact – will give a toss about how much you paid for your business insurance.

They’ll all be looking for paper, taking statements and asking questions, but not about your premium. The only thing anyone will give a toss about is this: will the insurers pay the claim and stump up, pronto? You have a burnt out business, they have a cheque book:  will they give you back your future? This is worth thinking about now, because on the morning after the fire, it’s already too late.

How do we solve this? Our business philosophy is called Making it cheaper, by doing it right.

We fight complacency by rewarding risk management: we will contribute to the cost of Cleaning Kitchens Extract Systems, Fixed Electrical testing, PAT Testing, ISO accreditation, Fire Risk assessment, H&S Compliance and security compliance.

We will do this every single year, we keep all this documentation so you can prove you’re compliant on the morning after the fire and we remind you when it’s due to be redone.

Because we do this, you are a better risk, we get fewer claims, we can bring your premium down to better than competitive levels – making it cheaper, by doing it right.

Who are we

The Business Insurance Bureau has 35 Years of remarkable and unique experiences. With a strong team of experienced brokers, we believe that falling into the ‘boring but important’ category does not reflect reality about who we are or what we do.

As lives and livelihoods are on the line, our days are never dull, living within the insurance industry means relationship insuring is at the fore front of our minds every day, because businesses don’t buy from people, people buy from people.  

Bob

Paula

Callum

Emma

Stuart

Julia

What people say about us...

Ben Riach Distillery

Billy Walker

“When we were purchasing the distillery, we required to purchase some specialist insurances. We were stuck in a room with seven experts from a multinational insurance broking firm who told us we would never be able to purchase the cover we needed. I think, that it was a similarly rare, quality independent firm, The Business Insurance Bureau, that managed to unlock the door to the insurance we needed - and we’ve never looked back.”

The Koh-I-Noor Restaurant

Rasoul & Waseem Tahir

“On Guy Fawkes Night, there was a huge storm. At 1.00am, it blew the chimney head off the building next door - it crashed through the roof, the restaurant and landed in the basement below. It was a scene of total devastation. That we’re still a successful business is in no small measure due to the insurance arrangements made by the Business Insurance Bureau, then and now.”

Barrowland Complex, Glasgow

Victor Cairns

“We were about to give up concerts altogether when, we were introduced to Bob Hannah. He commissioned an independent structural/fire survey which showed the ballroom to be a much better risk than had previously been believed. As a result we ended up with our insurance position renegotiated to an acceptable level. There is no doubt this little touch of ingenuity has turned out to be a major

What we do

We have learned a lot the hard way, above all else how focusing on targets and bottom lines can disrupt and affect business, this is why at The Business Insurance Bureau we have no Targets - it’s all about the risk.

Our approach is to not focus on targeting our staff or attaining some arbritarty increase in revenue, we prefer to focus on building long-lasting relationships through trust and our experience.

Our commitment to reduce risk throughout the year delivers a level of service which has been proven, time and again, to offer the security you did not know you needed.

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Insurances

The Business Insurance Bureau has vast experience and has dealt with almost every type of claim and many strange events from the disastrous to the trivial, the hilarious to the tragic.

Over the last 30 years, we’ve seen our clientele’s developing need for professionalism; expertise and personal attention grow ever greater. Running a business gets more complex, risky, regulated and litigious by the day.

Take a look through our policies for the information you need.

How We Do It

Surviving recessions and the pitfalls of the insurance industry our team plays a major part in our delivery, with tried and tested methods supported by a lifetime of experiences. Our collaboration with one another is the key to the success of the business.

Our belief in the services we offer is held together by persistence and purpose, driven by a collective belief that we offer genuine protection when tragedy occurs, many meetings held under the most-dire of circumstances, but we’re there, right by your side.

Documentation in hand, your protection in place, it sounds easy, but it's not, planning for the unforeseen is not easy, it takes time and usually a coat of armour and a lifetime of experiences. 

Rewards

Free Business Insurance Audit

Recently we audited a food preparation business to discover they had no product liability cover. We audited a waste business whose broker had told them they needn’t reveal a previous fire to their insurer.

Utterly disastrous. And then there all those who buy direct online, who often don’t understand the importance of what they are doing or how badly it can go wrong.

Risk Management Voucher

We go the extra mile. Bob actually pays clients to clean their kitchens, test their electrics and complete their fire risk assessments on time, so that there are no disputes about bits of paper.

When the effects of the fire consume your whole life, how would you like to feel?

Why We Do It

However noble the intention insurance companies are not philanthropists, these are highly conditional contracts – often conditional upon your own behaviour, about how you run your business.

In over 35 years in this industry, we have never seen a serious claim where the insured outcome was better than if the disaster hadn’t happened at all, we strive to ensure the real and disruptive influences of our industry and life can be mitigated against.

We believe that what we do is more than providing a service, we build real and lasting relationships, making it cheaper, by doing it right™

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