• Contents:

• Problem
• Solution
• Action
• Risk Management

Commercial Insurance*

Commercial Insurance* can be a complex and expensive necessity. Our extensive experience in this area ensures that we are able to find the right policy at an appropriate rate with the right level of cover for your needs. This service includes:-

• Professional Indemnity
• Employee Liability
• Buildings & Contents
• Fleet Insurance

Gain valuable help and advice in the complex area of commercial insurance, reducing risk with policies that are right for your business

*Carleton Risk Management works in conjunction with authorised & approved Insurance Companies.

Insurance Solutions

Problem

The litigation culture is here and shows no sign of declining.

Director's responsibilities continue to increase as Shareholders, Creditors and Employees dictate greater duties of care. The ever increasing competition from other companies both in the UK and abroad means that no one can afford to stop trading for long for fear of competitors taking their clients away.

Buying insurance is buying a promise to perform in the future...

Who would you trust to pack your parachute?

Our clients trust us to perform when the unexpected happens.

We know that our advice will be regularly tested by the claims that are made.

Solution

We focus our activities on helping clients from sole-traders to Plc's. Our systems and our Insurers are geared specifically for this size of client. Our initial investment in time is essential because as soon as cover is placed, cover must be secure and our performance promise must be met. We do not profess to provide the cheapest Insurance cover year in year out. We do profess to ensure that you get value for money and your claims paid.

The unexpected does happen, would you be confident if it happened to you?

Action

Call us for a free, no obligation initial meeting. At this meeting we will review your current insurance arrangements identifying gaps, duplications and inconsistent covers. We will report our findings to you and propose a time tabled action plan.

Risk Management

In today's business environment risk management is not an after thought, it is the starting point. This priority is highlighted by the key role risk management has to play in establishing the effective internal controls prescribed by the principles of corporate governance.

Ranging across the spectrum from property and revenue protection, through Health & Safety, to motor fleet risk management and including disaster recovery, our property and casualty insurance teams include staff members qualified and experienced in risk management and control.

Even with the most effective risk control, losses can occur. Post-loss, our claims specialists not only advise on and arrange settlement of claims, but also play a major role in minimising loss and in enabling business to resume trading with the minimum of disruption.