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Over the last week or so we have been receiving many calls and emails with regard to the Coronavirus/COVID-19.
COVID-19 is the extreme kind of challenge that a nation has to deal with once in a lifetime. The challenges that we face across the board with the health of our loved ones, friends, and colleagues, the disruption to our business, suppliers and clients, is something that we all need to face together.
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.
Here is a few specialist areas where our expertise is widely recognised.
You’ve got that worried look upon your face…
“It was my word against his. Until that point, I’d have described myself as young, successful and married”… Our Supreme Commander’s personal story…
Directors & Officers
As The Ship Goes Down, The Finger Pointing Starts...
Society is not content with ‘the company’ shouldering the blame, but seeks to hold individual people to account for a truly breath-taking range of management failure.
What insurance is really like
On the Morning after the Fire...
…neither you nor I, the health & safety executive, the fire officer, the police, the ambulance service, the loss adjuster, your insurers, your 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 taking statements, looking for bits of paper, asking questions, but not about your premium. Our obsession with ‘the premium’, how cheap it can be, obscures our ability to ‘get real’ about the business insurance market.
Cyber & Commercial Crime
On the Night your Data & Money are Stolen...
This digital kid has just hacked your data, emptied your bank account and gained access to your systems, What do you do now?…
One shop or one thousand shops. It’s all about overheads....
Yet another round of restructuring and store closures for some, and for others, store openings, find out…
Landlords: Where do we go from here?
A faulty fridge-freezer caused the Nation’s greatest property tragedy in living memory, now we can only learn lessons…
Occasionally, there comes a defining event that is so catastrophic, it is embedded in the consciousness of the nation and upon which everything turns.
Food, Drink & Entertainment
It’s not about bread and butter issues anymore...
‘Bread & Butter’ issues have been overtaken by a spectacular increase in costs. Lots of businesses are struggling…
Now this is not the booze talking…
It’s a challenge to stay afloat, pouring pints and collecting money has turned into a complex array of food, drink and entertainment compliance.
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 and if a discussion would suit you better please give us a call today.
Making it Cheaper, By Doing it Right™
Submit a message with any questions you have about Business Insurance
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.
Meet the Team...
We’re here to help. So, we keep it light- hearted, colourful and attention seeking.
So here’s our team, hand picked, passionate and experienced aiming to help prevent the disaster we’re all trying to avoid.
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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What people say about us...
Ben Riach Distillery
“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
“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 factor.”
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.
Understandably, there is no ‘one fits all’ when it comes to business insurance, and quite rightly so. Your business requires insurance that will directly help your business in it’s time of need, which will also impact the types of policies required. Some policies naturally will be more costly due to their nature, so it’s important to know what policies are right for your business.
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™
Our Risk Management Partners
VentPro ltd is a family run specialist kitchen ventilation cleaning and maintenance company, based in Dumbartonshire, with commercial contracts spanning the whole of Scotland and the UK.
We are passionate about providing the highest level of TR19 duct work cleaning.
We are a risk management consultancy with many years of insurance and business experience and academic excellence.
We work with small to medium businesses to assist their health and safety needs. Together we work to help prevent risk. DM Risk Management can take the stress out of Health and Safety for you.