InsureSafeLine

🚨 Risk Radar Mondays 🚨 What is a fair presentation of risk? Understanding the duty of fair presentation is crucial for businesses. Failing to disclose key risks could lead to denied claims, reduced payouts, or even voided policies.  The carousel below will outline the following:  ✅ What constitutes a fair presentation of risk ✅ Common mistakes to avoid ✅ The role of insurers in the process If you have any questions regarding whether you are adhering to the fair presentation of risk guidelines, please feel free to get in touch with our team using the details below, we are happy to provide you with a no obligation consultation.  info@insuresafeline.com | 0333 880 4405 | insuresafeline.com   InsureSafeLine – Coverage you can count on. #Insurance #RiskManagement #BusinessProtection #FairPresentation #Compliance 

🚀 Meet Account Executive Linjie Tan! 🚀 Linjie works diligently to secure the best renewal terms at competitive prices for all our clients!   A problem-solver by nature, Linjie is committed to solving even the most complex cases for clients, ensuring that no matter the situation, our clients are always fully covered.   With access to over 100 insurers, including the likes of A-rated insurers AXA, Allianz & Zurich, InsureSafeLine are committed to finding you the right policy at the right price.    For a no-obligation discovery call, please get in touch with us on the contact details below:    info@insuresafeline.com | 0333 880 4405 | insuresafeline.com    InsureSafeLine – Coverage you can count on. 

🚨 Risk Radar Mondays – Material Facts & the Duty of Fair Presentation 🚨     When it comes to insurance, what you’re not disclosing may cost you.   Failing to inform your insurer of material facts may lead to voided policies, rejected claims, or even financial loss.     In the carousel below, we aim to inform you about:   - What material facts are  - Why full disclosure of material facts is essential  - How the Duty of Fair Presentation protects your business Transparency isn’t just good practice—it’s a requirement. 📑✅ For a no-obligation quote or a review of your current insurance policy, please do not hesitate to contact us using the following details:  info@insuresafeline.com | 0333 880 4405 | insuresafeline.com  InsureSafeLine – Coverage you can count on. #Insurance #RiskManagement #FairPresentation #BusinessProtection #InsureSafeLine 

🚀 Meet Account Executive Abhiraj Parlapalli! 🚀   Abhiraj has been a valued member of the InsureSafeLine team for over a year, specialising in managing new clients and offering a broad range of tailored insurance solutions. His expertise spans across various policies, including motor trade, liabilities, property, and much more. Not one day in the office is the same, so you can rest assured that no matter your situation, we can source an insurance policy to suit your business's needs.   With access to over 100 insurers, including the likes of A-rated insurers AXA, Allianz & Zurich, InsureSafeLine are committed to finding you the right policy at the right price.    For a no-obligation discovery call, please get in touch with us on the contact details below:   info@insuresafeline.com | 0333 880 4405 | insuresafeline.com   InsureSafeLine – Coverage you can count on. 

🚀 Meet Financial Administrator Harmanpreet kaur! 🚀 Harmanpreet plays a key role behind the scenes, ensuring that client invoices, account statements & documentation are managed carefully. She also oversees loan maintenance and payments from both clients and insurers. Harmanpreet is always available to assist with any queries regarding payments or documentation.   With access to over 100 insurers, including the likes of A-rated insurers AXA, Allianz & Zurich, InsureSafeLine are committed to finding you the right policy at the right price.   For a no-obligation discovery call, please get in touch with us on the contact details below:   info@insuresafeline.com | 0333 880 4405 | insuresafeline.com   InsureSafeLine – Coverage you can count on. 

🚀 Meet Consultant Andy Lees! 🚀 With over 27 years of experience within the industry, Andy’s role is to help advise on any complex client cases and support the training and development of our staff.   Having handled a wide range of cases, from intricate portfolios to package policies, Andy is always dedicated to finding the best solutions for our clients. His wealth of expertise ensures that, regardless of the industry or complexity of the risk, we can source the most suitable cover for our clients.   With access to over 100 insurers, including the likes of A-rated insurers AXA, Allianz & Zurich, InsureSafeLine are committed to finding you the right policy at the right price.    For a no-obligation discovery call, please get in touch with us on the contact details below:    info@insuresafeline.com | 0333 880 4405 | insuresafeline.com    InsureSafeLine – Coverage you can count on. 

🚨 Risk Radar Mondays - Underinsurance & the Average Clause 🚨 According to research undertaken by Insurance Broker Gallagher, they estimate that over 46% of commercial properties are underinsured.  But what is underinsurance? Why can it be a risk? What can we do to prevent being underinsured?  Underinsurance occurs when a property is insured for less than its’ actual value.  For example, if a property is worth £500,000 and it’s insured for £400,000, it would be considered underinsured.  What are the risks?  If the property were to sustain a loss, such as damage from a partial fire requiring refurbishment, the insurance company would use the Average Clause to calculate the settlement payment they would pay to the policyholder.    To elaborate, the Average Clause allows the insurer to reduce the settlement payment by the same percentage that the policy holder was underinsured by. To calculate the average clause, we would use the following equation:    claims payment = sums insured / actual value X the loss amount.    If the refurbishment costs in this case totalled to an amount of £100,000, the policyholder would only receive £80,000, therefore incurring a shortfall of £20,000.  This shortfall may significantly impact a business’ cashflow.  So, how can you ensure that your business isn’t underinsured?    Most importantly, the sum insured on your property should be based on the rebuilding or replacement costs of the property. A common error we see often is the sum insured being based on the purchase price or the perceived market value of the property.  Our brokers recommend you undergo a RICS survey, this would provide you a comprehensive report on the building, including potential defects and advice on repair and maintenance options.  Secondly, ensure that all the contents within the building are included within the contents sum. Often, businesses may disregard the smaller things. From the keyboards & mouses on the desks to the stationary in the cupboard, all of these should be noted down.  Your insurance provider will usually provide a comprehensive list of things to include in the contents sum.  Finally, ensure you read your policy carefully and enquire about any policy limits this may have, as it may affect your business. Usually, these can be increased by paying an additional premium.  If you believe you may be underinsured and want to review your policy, or are currently looking for a new insurance policy, please do not hesitate to contact us using the following details, we are happy to provide a free, no-obligation quote:  info@insuresafeline.com | 0333 880 4405 | insuresafeline.com InsureSafeLine – Coverage you can count on. 

🚀 Meet our Head of Insurance Kieren Kooner!  🚀 Kieren’s role is to lead and support the InsureSafeLine team to source tailored insurance policies for clients at the most competitive rates. She oversees daily operations to ensure exceptional customer outcomes, regulatory compliance, and optimal product solutions that align with clients’ unique needs. Kieren is responsible for building and maintaining strong relationships with insurers, encouraging collaboration to provide the best solutions. She is committed to ensuring that clients’ needs remain at the heart of every decision and action, driving a client-focused approach throughout the organisation. With access to over 100 insurers, including the likes of A-rated insurers AXA, Allianz & Zurich, InsureSafeLine are committed to finding you the right policy at the right price.  For a no-obligation discovery call, please get in touch with us on the contact details below:    info@insuresafeline.com | 0333 880 4405 | insuresafeline.com    InsureSafeLine – Coverage you can count on.  

As we reflect on the past year, the team at InsureSafeLine want to thank all of our valued clients for their continued support, and wish you a holiday season full of joy and celebrations ! Please see our updated holiday office hours below. Should any urgent enquiries arise over the holiday period, feel free to get in touch on 07914 766791 or alternatively send us an email at admin@insuresafeline.com

🚨 We’re Hiring! 🚨 InsureSafeLine is expanding, and we’re on the hunt for a dynamic and driven Account Executive to join our team! 📌 Role: Account Executive 📌 Company: InsureSafeLine 📌 Location: Birmingham, UK At InsureSafeLine, we are passionate about delivering innovative insurance solutions that protect what matters most. As an Account Executive, you’ll be instrumental in building strong client relationships, driving growth by securing new business opportunities, and collaborating with our talented team to deliver top-notch solutions. For more details on the role and how to apply, please refer to the link below. 👉 Apply Now: https://lnkd.in/gCDfk9QH Don’t miss out on this exciting opportunity to elevate your career with us! #JobOpportunity #HiringNow #AccountExecutive #SalesJobs #JoinOurTeam #InsuranceIndustry #CareerGrowth #InsureSafeLine #SalesProfessionals #ApplyNow #FinancialServices