The Morning After the Fire

On the morning after the fire…

“On the morning after the fire, neither you nor I, your insurers, the loss adjuster, the fire officer, the health & safety executive, 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 looking for bits of paper, taking statements and asking questions – but not about your premium.

Many businesses think ‘the premium’ is all that matters, but on the morning after the fire, nothing matters less – it’s supremely irrelevant.

43% of all businesses suffering a disaster never recover* – that’s almost half.

Under the crust of statistics, in my experience, are the stories of businesses killed off, not by the fire – but by their own insurance company.

In 30 Years, I’ve seen some real disasters up close. Lives and livelihoods ruined, all so easily avoidable – the future, lost, for an insignificant ‘saving’, or simply not understanding that the detail of insurance is really, really important.

There is no such thing as ‘cheap insurance’. You get what you pay for. The cheaper it is, the more restrictive and conditional the cover becomes there is, literally less money to pay claims.

You have a burnt out business: they have a cheque book

Insurance polices are complex, highly conditional legal contracts. Although insurance companies may talk about ‘peace of mind’ they are not philanthropists. On behalf of their shareholders they will be asking highly trained and skilled expert lawyers: “Do we really have to write this cheque?”business fire insurance

It’s not expensive to insure your business appropriately, – much more about spending time than your money. But once the disaster has happened, it’s too late to fix your insurances. That moment has passed.

So, we begin with the end in mind: first by helping protect you from your own insurers and ultimately, by securing your future through the adequacy of your cover.

We’ll be planning for the morning after the fire – and beyond”

Bob Hannah

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.

If you would like to speak with a member of the team or Bob then please feel free to give us a call on 0141-332-7076 or email us at

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