The Business Insurance Bureau

Now this is not the booze talking…

Coffee mornings, functions, mid-week football, ‘When does the tune start’ Jazz afternoons…there’s no such thing as a ‘community boozer’ anymore.

Yes, we’re LIVE down at The Duck & Dive!

Once upon a time, going down The Duck & Dive meant a pint of ‘Old Todger’, a read at the paper and a packet of crisps. But that’s all hazy history, along with the smell of cigarette smoke that clung to your clothes after a night out.

These days, there’s no such thing as a ‘community boozer’ – running a pub like The Duck & Dive makes the publican a master of ceremonies, with everything from rhubarb gin tastings to ‘When does the tune start?’ Jazz, Saturday lunch time.  

It’s a coffee shop in the morning, has an all-day food offering, day time functions, after work promotions, football mid-week, venue at the weekend. It’s endless…

It’s hard enough to keep the punters entertained without the never-ending list of ever rising overheads.

  • The rising living wage
  • Staff pensions
  • Brexit staff shortages
  • Food & drink price increases
  • Business rates
  • Huge insurance premiums for entertainment 

It’s a challenge to stay afloat, pouring pints and collecting money has turned into a complex array of food, drink and entertainment compliance, licencing and insurance headaches.

Non-cleaned kitchen ducts are a HUGE fire risk, untested electrics heat, smoulder and burn, people slip and trip, doormen needed every weekend, gas safety, glass breakages…

There’s more to think about, lots of regulations to comply with.

We can help ease some of your biggest headaches!

But before we do, let’s see how the four ugly truths about business insurance add to that list….

1.   Insurance companies dispute 50%*of all large claims from businesses.

2.  They do this for two reasons:

a. breach of policy conditions (which you’ve never read or remembered)

b. inadequate information disclosure (like if you forgot to tell them about the live entertainment)

3.   It takes on average three years to resolve a large disputed insurance claimǂ (if you can resolve it). Meanwhile, without cash flow, your business goes into administration.

4.  This is why 43%* of all businesses experiencing a disaster never recover – not because they have experienced a disaster, but because their insurance is a disaster!

So what’s the answer? At the Business Insurance Bureau, we know that it’s not about how cheap you make it, but how you make it cheaper.  Here’s how we can save you money and protect your future.

Bob the Broker’s business philosophy…

…making it cheaper, by doing it right™

There is only one legitimate way to make your insurance cheaper: cutting down claims by controlling the risk. That takes partnership, relationships, service commitment, expertise and ‘going the extra mile’.

No one else will provide this – a Risk Management Rebate Voucher worth up to

£500.00† towards the cost of:

Cleaning Kitchen Extract Systems • Fixed Electrical Testing • PAT Testing • Fire Risk Assessment • H&S Compliance • Security Compliance • ISO Accreditation • and other deserving risk improvement features

Not only that! We also…

  • Offer multi-location discounts on top of your rebate
  • Offer two to three year deals, with a no claim bonus!
  • We give you a rebate every single year, per location that you renew on our unique facility and get the risk improvements completed and verified.
  • Tailor the policy conditions around your routines, not your routines around the policy conditions.
  • Run a reminder service to help make sure you don’t miss compliance and policy dates.
  • Provide a claims and risk management co-ordination, so you can concentrate on your business.

Keeping your claims low and your premiums lower, we’re making it cheaper, by doing it right™

Don’t wait, call Bob and the team now!

†Terms and conditions apply. Rebates are calculated based off your final premium amount and on receipt of legitimate certification that the work has been carried out. The £500 figure is based on a sample of 101 clients who received a rebate between 2016-2017. 

*sources: business continuity institute/london chamber of commerce and industry ǂ July 2014 MacTavish