Category: Insurance

The best source of business is the referrals we receive form our customers. So why do people choose The Expert Insurance Group for their Insurance cover?

1. We are push button free! Our phone is always answered by a real person. We know you want to talk to us, so you’ll get straight through to an adviser. If you prefer to speak to a person instead of listening to a machine, then you should be dealing with us.
2. Insurance is complicated. We are happy to take the time to explain your cover to you so you can really understand what you are buying. We invest heavily in developing our staff so you can be confident that you are getting the right advice when you call. All of our staff (including our support and accounts team) are required to achieve the Chartered Insurance Institute Cert CII Qualification.
3. Your time is precious. We understand that you want a policy that provides comprehensive protection at the best price. We do the hard work, so you don’t have to. We are an independent whole of market broker. You can be confident that we will find the best policy for you and provide you with the best advice.
4. We don’t charge fees, if you decide not to use us, we won’t charge you.
5. Added value. We give great advice – if you buy a policy from us and need help understanding the insurance cover that your customers want you to buy or in checking that your suppliers or subcontractors have in place policies that are adequate to protect you, we can help. Our checking service is free to all customers.

For a free quotation please call us on 01825 745 410 and we’ll be delighted to help you.

If you have ever bought a cheap bottle of wine then you’ll appreciate the bitter disappointment of knowing that you’ve wasted your money. Insurance is no different. Sure there are lots of ways to buy cheap cover on the internet, but most of the cheap policies have hidden terms and conditions in the small print, so you can never be sure that you are buying a policy that will protect you in the event of a claim. The old adage if it looks too good to be true it probably is applies.

How can you be sure that you will be properly protected? Insurance doesn’t have to be expensive, in the same way that a five to seven pound bottle of wine will be perfectly adequate for everyday quaffing, a reasonably priced insurance policy can be perfectly adequate to protect your home or business. The Expert Insurance Group can certainly help you with one of these!

If your home or business is a bit unusual, maybe you run a wine importers business from home or are engaging in an unsual business venture, you will need something a bit more tailored to your needs. We’d compare this type of cover to the slightly more expensive wines you’d get from an independent off licence rather than a supermarket. These policies will probably cost a little more than your everyday cover, but you’ll have the confidence that the cover will be absolutely right for you – and you wont be left with a nasty taste (like corked wine) to upset you if you need to make a claim.

Moving up the range we have the bespoke, really special or unusual risks. Like the vintage and fine wines the cost of a high net home policy, business insurance for a multi million pound business, cover for a large property portfolio or major building project is going to cost a bit more, but the cover that you get will be as unique as the risk to be insured.

The Expert Insurance Group can provide help and advice to individuals, and businesses big and small. For a free quotation please call us on 01825 745 410 and we’ll be delighted to help you.

Finally please remember the Expert Insurance Group is authorised and regulated by the financial conduct authority to sell General insurance – we aren’t licensed to sell alcohol!

You probably have a will that leaves your assets to your spouse, partner, family or friends. If this includes shares in your own business have you thought about how this will affect your business and any other shareholders? What would your family do with their share of your business?

Shareholdings in small and medium sized businesses tend to reflect the value that the shareholder brings to the business. It is unlikely that the heirs to your estate will be able to contribute the same level of value as you do to the business, however they will be still entitled to the same level of dividends as you would have been. They will also have the same voting rights and “say” in the direction of the business going forward.Spouses, partners, families and friends may not share the same rapport with your business partners as you do. Equally you may not get on with the people that your business partners love enough to leave their shares to.

According to research 45% of UK business owners expect the remaining owners to buy their share of the business in the event of their death, however only 40% of companies have taken out cover to ensure that funds are available for the purchase. In any event there is no guarantee what will happen to the shares unless you have a shareholders agreement in place.

Regardless of the arrangements, money will need to change hands and this could be a substantial amount. The Expert Insurance Group can arrange a life insurance policy that pays a sum of money into a trust if you die and provides the surviving partners with the money to purchase your shares.

To ensure the money is used to buy the shares inherited by the family a legal agreement is put in place. The documentation is pretty straight forward but an extremely important part of the process. The money is then paid directly to the beneficiaries of the will.

Get the right Business Protection. Call us today for a free quotation 01825 745 410