Commercial lines only. We do not do motor fleet, medical or personal insurance and will refer you for those.
Between 7.5% and 17.5% of premium depending on the class, and the exact figure is written on every recommendation next to the premium. Where you would rather pay us a fee and have the commission rebated, we will do that instead.
No, and we say why in writing when we do not. The cheapest quote usually differs on wording, excess or the insurer's claims record rather than on cover, and those differences only appear at claim stage.
Perfectly reasonable. We will negotiate the renewal with them on your behalf and tell you honestly whether the terms are competitive.
Send your current schedule. We read it properly, list what is missing and what is over-insured, and tell you what your existing broker is earning. About a third of these end with us advising the client to stay where they are.
