The Business Insurance Bureau

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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 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 if the disaster hadn’t happened at all.

We’re here to help. So, we’ve kept it lighthearted, 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.

We have a true passion for reducing risk and ensuring the success of every business we work with, we pride our self on it, so please, pick up the phone today. [Read More]

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Bob's Guide to Business Insurance

This report 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 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 if the disaster hadn’t happened at all.

We’re here to help. So, we’ve kept it lighthearted, 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.

We have a true passion for reducing risk and ensuring the success of every business we work with, we pride our self on it, so please, pick up the phone today.

Why not Download a section at at time

Tales that will make your hair stand on end...

On the Day he Chops his Finger off...

Did you know?

There are about 8000 commercial kitchen fires in the UK annually.
It takes on average three years to resolve a large disputed insurance claim (if you can resolve it). Meanwhile, without cash flow, your business goes into administration.
43% of all businesses experiencing a disaster never recover, not because they’ve experienced a disaster, but because their insurance is a disaster.

Making it Cheap vs Doing it Right: The Dilemma
The pressure to control costs means we all want our insurance cheap and easy. 

Cheap never has quality ingredients. Too few covers, spiced up policy conditions that clean you out later…

 

On the Morning after the Fire...

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

They’ll all be taking statements, looking for bits of paper, and asking questions, but not about your premium.

Our obsession with ‘the premium’ and how cheap it can be, obscures what’s really important. What’s really important are the four, great, indisputably ugly truths about business insurance.

On the Night all your Data & Money are Stolen...

“This digital kid has just hacked your data, emptied your bank account and gained access to your systems, Cybercrime…”


The lack of footprints and fingerprints is disconcerting. All you know is your business is in deep trouble and you need help – now! There are client custody issues, data protection fines, business interruption, the loss of money and data – and of course, reputational damage.


There are many more questions than answers, but the most important one is, “how do we get through this?” Insurance.

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