Independent insurance brokers and financial advisers. Offering tailored solutions for corporate and personal clients

Transcription

1 Independent insurance brokers and financial advisers Offering tailored solutions for corporate and personal clients

2 Innovative solutions, personal service Good insurance brokers should listen carefully to their clients, understand what is required and faithfully and intelligently reflect this to insurers. An accurate and economic insurance portfolio must be delivered with an attentive and consistent level of service, both in the adequate and prompt settlement of claims and the changing needs of the client. We at Lucas Fettes & Partners take great pride in our skill, courtesy and attention to detail. The high quality of our staff, our close relationships with clients and our standing in the underwriting market ensure a quality of service which distinguishes us from the larger insurance brokers and cannot be offered by the smaller. These traits can be found throughout our Group, extending to our corporate and personal financial planning services as well as our wholesale insurance facilities. Robin Lucas Chairman

3 About Lucas Fettes & Partners Lucas Fettes & Partners is an independently owned Lloyd s accredited insurance brokerage, financial planning and employee benefit advisory practice. The original ethos of Lucas Fettes & Partners founding directors today remains a constant throughout the company, with an emphasis on personal service. The company has developed through its relationships with other professional practices, concentrating on the provision of solutions to the needs of both corporate and personal clients. We are a leading independent supplier of insurance and financial services solutions and take the time to understand the specific needs of both businesses and individuals before delivering tailored advice and solutions. We aim to develop a long-term relationship with our clients based on confidence and trust and are able to offer a service to clients across the UK through our network of offices. We have enjoyed a history of continuous growth and have an extensive operation and a strong reputation in insurance markets. This means that we are ideally placed to meet today s demands for ever increasing standards of quality and service. Our core services: Commercial Insurance Personal Insurance Corporate Financial Planning Personal Financial Planning Wholesale / Sub Agent Facilities Professional Connections Broker at Lloyd s Lloyd s is the world s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent. It is often the first to insure emerging, unusual and complex risks. Around 80 syndicates underwrite insurance at Lloyd s, covering all classes of business. Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world. Lloyd s insures the majority of FTSE 100 and Dow Jones industrial average companies. Lloyd s enjoys strong financial security supported by excellent ratings. Visit for more information.

4 Ideas that will change your company s perception of insurance provision

5 Commercial Insurance At Lucas Fettes & Partners our objective is to ensure that our clients are properly protected when the unexpected happens. We add value through personal service and innovative solutions. Our comprehensive range of insurance broking services is designed to meet business requirements. These extend from the protection of tangible assets such as buildings, contents and computer equipment to professional indemnity and insurance against loss of profits or income. Understanding that every business has different requirements is essential. We have a host of insurance solutions and risk management services available for our clients, including: Insurance programme design, advice and implementation, ranging from basic requirements tailored to meet your needs through to in-depth analysis and placement of complex, multinational strategies Independent, expert advice and assistance on claims Advice on the importance of, and implementation of, risk management procedures Our promise is that we will match your very specific and unique risks to the most appropriate insurers, obtaining effective cover for you, economically. Specialist expertise At Lucas Fettes & Partners our knowledge and expertise means we can arrange some of the most comprehensive and beneficial insurance packages available in the marketplace. Our specialist areas include: Commercial Property Professional Indemnity Professional Liability Media Education Charities Marine, Freight and Logistics Healthcare and Care Insurance Due Diligence Trade Associations and Membership Bodies Wholesale Insurance Health and Safety and Employment Law Agricultural Machinery Dealers Professional Connections

6 Offering comprehensive cover and the service to support you when you need it

7 Personal Insurance We specialise in providing insurance solutions to individuals who require a highly personalised service. Our insurance solutions We understand discerning clients and have a depth and breadth of knowledge and experience. We employ professionals who genuinely understand the true nature of your insurance requirements and provide a tailored solution to suit your needs. We also recognise that with period properties, antiques and other high value items it is of paramount importance that your specific needs are catered for and, in the event of a claim, the restoration, repair or replacement is undertaken by a specialist. Our solutions offer wide-ranging cover and a claims service that often allows our clients to use their preferred suppliers and contractors. Some of the insurers we use will provide free valuations for buildings, contents and fine art. With the pressures and pace of modern life, we appreciate it is sometimes easy to overlook security, for example forgetting to set your alarm. We are therefore often able to arrange policies which are not subject to alarm conditions. In addition we can offer access to security specialists and provide advice and guidance on security measures. Sometimes simple solutions such as photographing or videoing your valuables and storing these securely away from your home can facilitate a speedy and fair claims process. Our solutions can include extra covers such as Identity Fraud and Legal Expenses. Our clients have direct access to our insurance specialists and will be given a primary contact to deal with on a day-to-day basis. In addition, our clients have access to the directors of the company, who maintain a close involvement in the day-to-day management of the business. We can insure: Buildings including period and thatched properties Contents including antiques and fine art Holiday homes both in the UK and abroad Motor including classic cars Yachts and motor boats Private aviation Investment properties including holiday lets Travel

8 A creative and personal approach to your business and its financial planning needs

9 Corporate Financial Planning Our corporate financial planning and employee benefit consultants offer a full range of services to employers, employees and trustees. Our services range from the design and implementation of new arrangements to the ongoing advice and servicing of these, providing both short and long-term solutions for our clients. Whilst many other propositions are focused on off the shelf products and arrangements, our approach is flexible and entirely based on an analysis and agreement of our clients requirements and those of their employees. Although our approach is flexible, we have core areas of service that we believe to be an important foundation of our proposition. These include: Benefits review this is usually the starting point for any new client relationship. We will undertake a complete and thorough review of existing arrangements in order to assess the ongoing suitability, cost-effectiveness and compliance with current and anticipated future legislation. We will determine what your employees value and provide recommendations and implement any necessary changes to address this and maximise the impact of what you spend. Ongoing advice our experienced team of financial advisers will be available to provide personal, ongoing advice to both the company and its employees. Legislative impact we keep our clients updated with relevant changes in legislation whether these impact upon the company, its employees or the benefit arrangements in place, reviewing our advice where appropriate. Scheme administration our experienced team of administrators works closely with our clients and their benefit providers to ensure cost-effective and smooth day-to-day running of their arrangements. Our services Our style is marked by a creative and personal approach to solving the often complicated needs of our clients. We pride ourselves on helping to clearly identify their goals and objectives and then present a solution to meet their precise needs. Our services include: Employee benefits Corporate financial planning Employee communication strategies Pension reform service, including automatic enrolment Services to trustees Pension fund investment consultancy Director/partner remuneration strategies Employee benefit research Final salary scheme advice

10 Delivering the analysis and creation of financial plans to suit your requirements

11 Personal Financial Planning Lucas Fettes & Partners is able to offer a bespoke financial planning service encompassing all aspects of your financial planning needs. Our services will help you to build, manage and protect your wealth according to your individual needs. Our financial planning team will use the breadth of their experience to develop a realistic financial plan for you. This will involve: Understanding your current circumstances, needs and objectives Undertaking research to establish your current financial position relative to your goals and from this develop a structured financial plan Presenting your financial plan and agreeing any changes with you Implementing your financial plan with ongoing reviews at agreed intervals Our team are committed to adding value through giving you straightforward advice at every stage. We provide full cost transparency, detailing the work that will be undertaken and how it will benefit you, ensuring you fully understand the proposed strategy and the costs involved. Our ongoing personal financial planning service provides you with the reassurance that your financial plan will be subject to regular reviews, ensuring it remains aligned to your prevailing circumstances, needs and financial objectives. Our services include the analysis and creation of financial plans to suit your income and capital needs, solutions for family protection, retirement strategies, family wealth preservation and tax efficiency. Our solutions Our reputation has been achieved by putting our clients needs first. Working together, we deliver unbiased, objective advice on the whole range of solutions available, including: Lifetime financial planning Individual protection Individual pensions Retirement planning ISAs Trusts Wealth management and investments Our services and charges give you a personal choice about how we work with you to achieve your objectives. Our aim is to ensure you can make an informed decision when agreeing how we are paid and to ensure our independence is maintained.

12 Providing access to specialist markets and underwriting facilities for brokers

13 Wholesale & Sub Agents Facilities The Lucas Fettes & Partners wholesale division provides access to specialist markets and underwriting facilities for insurance brokers through an experienced team with a dedicated point of contact for each broker. As accredited Lloyd s brokers, this includes access to Lloyd s of London Markets and Facilities. Our dedicated team of wholesale brokers has the experience and knowledge to work with other insurance brokers and intermediaries, helping them to find alternative markets for their clients that better suit their needs. Lucas Fettes & Partners is able to assist if you are having difficulty with the placement of a risk, or if you just require a second opinion. We pride ourselves on operating within the strictest timescales, underwriting a variety of risks and issuing all documents for these risks promptly including schedules and Employers Liability certificates. Our Lloyd s brokers meet with underwriters daily, enabling them to deliver terms very quickly on a wide range of risks, including perceived high risk trades for Material Damage, Business Interruption and Liability. We are also open to discussions in terms of portfolio transfers and consolidation of your existing Lloyd s placements. We are happy to discuss commission structures which could benefit your overall approach. Services to other brokers Our broker network has been developed through our ability to meet brokers requirements for cover, combined with a personal service. Areas where we can assist include: Property Distressed risks Construction Liability Product recall Professional Indemnity Medical Malpractice Excess of loss for all classes Marine cargo, transit and haulage liability Our full range of services can be found at

14 Developing long-term relationships based on confidence and trust

15 Professional Connections At Lucas Fettes & Partners, we understand that many clients require a multi-disciplined approach to their personal or corporate affairs to enable them to plan and implement the best course of action for their current and future needs. As independent insurance brokers and financial advisers we have significant experience in working as part of a team with a client s professional advisers. In addition, it is recognised by many professionals that there is a need to engender ongoing and long-term relationships with clients, which can only be achieved through demonstrating the ongoing value they add as a trusted adviser. This includes the involvement of other associated and trusted services where the client has a need. We have developed a proposition that caters to this need and provides other professionals the ability to offer an extensive range of services to their clients through referral type arrangements, white labelled services or joint ventures for those of a sufficient size to justify this. We believe that by creating professional partnerships, both parties can benefit as the range of services on offer differentiates us from our competitors and future competition. Our proposition includes consultancy and associated services, proposition enhancement, referrals and a commitment to work in partnership to the client s benefit through the services covered in this brochure. Lucas Fettes & Partners strengths We have a strong record of working successfully with professional partners and enabling them to offer their clients an enhanced proposition. Our strengths include: A strong track record with professionals Proposition enhancement Composite service offering Clearly defined client propositions National strength Transparent pricing and charging model Long-term client relationships Experienced and qualified practitioners Personal service delivery

16 Our offices London Plough Court, 37 Lombard Street, London, EC3V 9BQ T: E: Berkhamsted Hardy House, Northbridge Road, Berkhamsted, HP4 1EF T: E: Bristol 1st Floor, Shore House, 68 Westbury Hill, Westbury-on-Trym, Bristol, BS9 3AA T: E: Cambridge T: E: Chichester City Gates, 2-4 Southgate, Chichester, West Sussex, PO19 8DJ T: E: Glasgow Mercantile Chambers, 53 Bothwell Street, Glasgow, G2 6TS T: E: Isle of Wight 42 Quay Street, Newport, Isle of Wight, PO30 5BA T: E: Manchester Marsland House, Marsland Road, Sale, Cheshire, M33 3YB T: E: Norwich Lakeside 500, Old Chapel Way, Broadland Business Park, Norwich, NR7 0WG T: E: Lucas Fettes & Partners Limited are Independent Insurance Brokers authorised and regulated by the Financial Conduct Authority. Lucas Fettes & Partners (Financial Services) Limited are Independent Financial Advisers authorised and regulated by the Financial Conduct Authority.