There’s a scene in the movie, “Play It Again, Sam” where the main character goes on an arranged ‘blind’ date.. Asked the next day how the date went, he replies “I’ve spent better nights with an insurance salesman”.
The perception that insurance is ‘boring but important’ does not reflect the reality. In modern parlance, it’s really quite ‘sexy’.
Underwriting and broking the colossal risks facing the business community is enormously challenging, intellectually stimulating and riveting for the curious. As lives and livelihoods are on the line, it is never dull, but it is absolutely vital in its importance.
Many businesses like to think of themselves as being in a passionate endeavour, a higher purpose -and we’re no different. Securing the future from the jaws of random chance and human failings is among the most satisfying work you can complete and this is what we do. The range of and diversity of risks insured within our clientele is amazing.
“All you need is love” has been our philosophical standpoint and backdrop since Bob began the business in 1983 – it’s about finding your purpose and fulfilling it.
John Lennon’s lyric, ‘ There’s nothing you can do that can’t be done’ speaks not just for an internal attitude of disciplined, committed, self-reliance and self- belief, but also for the external spirit of the Victorian pioneers of modern underwriting, where industrial ‘progress’ was made possible through the ability transfer the risks involved to the insurance industry. The scope of insurability is breath-taking, nothing that ‘can’t be done’ – and we can do it for you.
Our passion comes from a fascination about businesses, the people who make things happen, the inventiveness that makes things work.
Like a benign investigative journalism, our mission is three fold: first to research and understand and secondly, to explain and thirdly, to turn that understanding into a secure, insured future.
This website is part of that ‘mission to explain’, in simple language, many things of great importance which are often obscured by day to day living, yet cannot be ignored without prejudicing the protection you rely upon for the worst of days.
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.
Strategically, we want to get ‘beyond insurance’, getting our hands dirty by helping you to minimise risk. This is because, in his forty plus years in this industry, Bob has never seen a serious claim where the insured outcome was better than that the disaster hadn’t happened at all.
We’re here to help. So, we’ve kept it light- hearted, colourful and attention seeking. And, if that causes you to read it, to act upon it, we’ll have done a little to help prevent the disaster we’re all trying to avoid.
That’s what we stand for, which is as important as what we do.
The Big Picture
The Business Insurance Bureau is a specialist underwriting and broking business, catering for the commercial insurance needs of the small business community in Scotland.
The people at the Business Insurance Bureau have developed their own range of quality insurance products where quality is defined as meeting the expectations of its customers, day in, day out. Developing its own niche product range has given the business a competitive edge whilst being in control of its own administration and claims handling have allowed it to deliver service levels hitherto unimaginable in this sector or indeed, for a business of its physical size.
The Business Insurance Bureau has developed its own highly original admin back-up systems to enhance quality production. The resultant detail given to customer care has become so legendary it has become a home for small business. The Business Insurance Bureau is recognised throughout the industry as having an unassailable position in the market.
The business achieves its leading edge by a commitment to the career development of its people, research, product development and an endless commitment to professional marketing.
The business is staffed by a handful of experienced, committed and skilled divisional administrators/technicians who work largely on their own initiative with only a few guiding values and who spend a lot of time visiting clients to discuss their specialization. These people are high achievers with earnings and perks, taking account of performance related bonuses, well above the industry average.
The business is housed in tastefully, decorated, comfortable offices with excellent back-up systems and functional attractive furniture to complement those systems.
Simultaneously, though less likely sounding, is its famously laid back management style which concentrates on achieving its business objectives by opening its peoples minds to the realization of their own potential.
At its present rate of progress, the Business Insurance Bureau may start swallowing up many other firms of various dimensions which have not benefited from its original thinking, commitment to marketing its own products, good use of technology nor, most importantly, its investment in quality people.
In an already overcrowded and intensely competitive market place this has been achieved by a handful of people who dared to believe something inside of them was superior to their circumstances.
Making 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.