bespoke and guaranteed

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1 bespoke

2 Bespoke and guaranteed insurance products driven by your needs Efficient, professional, and approachable staff with a can do attitude Striving for excellence in everything we do Provide wide range of competitively priced marketleading insurance solutions, both mainstream and niche An ethical business Dedicated claims team focused on handling claims efficiently and with personal attention Chartered Insurance Broker status offers peace of mind that you are dealing with one of UK s leading Independent Brokers Knowledgeable and motivated staff with continuous training and development Members of Unitas Alliance of Insurance Brokers, giving the power of a global broker with local service and independence Bruce Stevenson Founded in 1981, Bruce Stevenson has become one of the largest Independent Insurance Brokers in Scotland serving both commercial and private clients. Bruce Stevenson has a clear focus and a standard of service that is both personal and professional. We are proud to be an innovative and dynamic organisation, however we remain owner managed and are still committed to the traditional customer service foundations upon which we were established. Our Independent status is increasingly rare in the insurance marketplace and we feel that our customers benefit immensely from the personal service we provide. Chartered Accreditation The company has been awarded the prestigious Chartered Insurance Broker designation which is an exclusive and valuable merit, demonstrating a commitment to delivering the highest professional level of knowledge, advice and ethical practice. Unitas Alliance Bruce Stevenson is also a founder member of Unitas, an alliance of 13 like-minded Independent Insurance Brokers across the UK. Together we place 1bn of premiums into the market, giving us enviable leverage to negotiate more for less from insurers on behalf of our clients. bespoke

3 Commercial & Corporate Bruce Stevenson provides a comprehensive Insurance Broking and Risk Management service to businesses of all types and sizes. Our Commercial team prides itself on its expert knowledge, experience, professionalism and outstanding client service. Understanding your individual business risks and requirements is key to providing a tailored insurance programme. We carefully select insurers to ensure that we can offer a wide range of insurance products to protect your business from traditional and emerging risks. Our Commercial offering includes: Asset Protection Business Interruption Employers Liability Public/Products Liability Professional Indemnity Directors & Officers Liability Credit Insurance Motor Fleet Engineering Computers Marine Transit Product Recall As your appointed Broker, we will endeavour to build a strong and prosperous business relationship. bespoke Bruce Stevenson provides us with an extremely professional service, reacting speedily and positively to all requests from us in relation to our insurance cover. Furthermore they handle and respond to claims matters quickly and efficiently. Maurice Taylor of Chardon Leisure Ltd

4 Property Our Property team delivers a comprehensive range of insurance cover and advice for a wide variety of clients, including landlords, investors, developers, letting agents property managers and private individuals alike, providing fully for their varied demands and needs including: Commercial Property Residential Property Unoccupied Property Landlord s Buildings Buy to Lets Managed Properties and/or Contents Landlord Liabilities Our broking team is available to assist with both straightforward and complex enquiries. Importantly, we are able to offer you comprehensive cover including 24hr Insurer support. In addition, Bruce Stevenson holds delegated underwriting and claims authority with major insurers allowing prompt service while negotiating exclusive preferential cover and terms. As with our other departments, our dedicated Claims team is on hand to ensure claims are settled quickly and effectively. bespoke Ryden Lettings, Residential Property Managers have now had an account with Bruce Stevenson since Our portfolio with them has increased year on year and clients remark on the competitiveness of the product offered to them. We have a good working relationship with Bruce Stevenson and the service we receive is always speedy and efficient. Ryden Lettings

5 SME Our SME department specialises in meeting the needs of small to medium size businesses, providing expert advice and a professional service combined with convenient and cost effective package policies. Typical business types that fall into this category include shops, restaurants, offices, tradesmen, hairdressing salons, surgeries and hotels/guest houses. The types of cover they may need include: Buildings Contents/Stock Computer Equipment Business Interruption Public/Products/ Employer s Liability Money Goods in Transit Professional Indemnity Directors and Officers Trademan s Liabilities Motor Fleet Contract Works We operate on a personal service basis whereby a dedicated account handler will monitor your business and, where appropriate, suggest alternative products as your business develops to ensure an evolving and comprehensive insurance programme. Our carefully selected panel of insurers is regularly monitored for credit rating service, flexibility and competitiveness of cost and cover. bespoke Bruce Stevenson have been a great support to my fast growing company, and I know that our hard work is protected by the advice and insurance that they provide. Their service is both professional and efficient and I would certainly recommend them. Ardmoor Ltd (Country Clothing)

6 Renewable Energy With 20 year s experience within the renewable sector Bruce Stevenson is recognised as the leading renewable energy insurance advisor. Our Renewable Energy team has developed bespoke insurance solutions which are tailored to each individual project for both small to medium privately owned firms and large corporate organisations. Our staff are on hand to provide advice at all stages of a project from planning to completion, dealing with both established and emerging renewable energy technology, such as: On and Off Shore Wind Turbines Hydro-Electric Wave and Tidal Combined Heat & Power Solar Energy Anaerobic Digestion Biomass Bruce Stevenson also provide insurance assistance for consultants, contractors and the associated trades along with due diligence and consultancy work on behalf of numerous larger financial firms and government bodies throughout the UK. bespoke The BSRM team provided an excellent service in pulling together the insurance requirements for our project. Mike Girvan, Corrimony Energy 11.5MW Wind Farm, Inverness

7 Private Clients Our growing number of private clients, coupled with our enviable rates of client retention, prove that we succeed in our aim to provide market leading insurance with a dependable service. We give independent advice and impartial recommendations while choosing from a panel of leading insurers, consistently monitoring their cost, credit rating, cover, flexibility and service, we are confident that we provide you with the best insurance products to meet your needs covering: High Value Home and Contents Motor including Family Fleet and Classic Cars Heritage and Listed Property Farms and Estates Personal Portfolio Cover, including High Value Property Fine Art and Collections Second and Holiday Homes We aim to do more than just broker your insurances. We want to offer you peace of mind so as part of our service we offer free home visits by your dedicated account executive to provide a home insurance audit to help establish what type of cover you require, how to correct underinsurance and review the security of your home. Your dedicated account manager will cater for any changes that take place and offer ongoing advice. bespoke The quality and reliability of the service provided by Bruce Stevenson to our clients is excellent. We have no hesitation in entrusting them with our clients insurance requirements. Lindsays Solicitors

8 Social Housing Our Social Housing team has in excess of 40 years experience in partnering Registered Social Landlords in their insurance, risk management and claims handling requirements. We pride ourselves in providing a truly bespoke service that addresses the different needs and demands of individual Social Landlords. With our leading knowledge and experience within the social housing sector we are confident that our independence, expertise and ability to select cover from over 90 insurance companies enables us to tailor a solution specifically for you. We can offer insurance placement and advice on: Building Defects Insurance Environmental Insurance Development Insurance Requirements Collateral Warranties Professional Risks Insurance Property and Liability Insurance Performance Bonds Tenant s Contents Insurance bespoke Bruce Stevenson have again proven they are able to deliver on key performance indicators. Given the level of service and attention to detail we would have no hesitation in recommending Bruce Stevenson to other Social Landlords. Cunninghame Housing Association

9 Farms & Estates Bruce Stevenson provides cover for 100 s of thousands of acres across the UK, working with farmers and land owners to protect their businesses and rural interests. We understand that a Farm or Estates policy should be tailored for the individual client, taking into account both personal and commercial needs. We also understand the difficulties facing farm and estate owners in producing a viable income from their property and subsequent need to diversify. Our team of experienced Account Executives visit our clients regularly to ensure that not only do they acquire a working knowledge of the particular risk and needs, but so they can continually advise and shape the portfolio of insurance we provide to meet the often changing circumstances. The range of covers we offer include: Livestock and Deadstock Public/Products/Employers Liability Tenanted Properties Machinery and Plant Activities such as Country Sports and Events Farm House and Contents Business Interruption Produce Office Contents Fleet, including Agricultural Vehicles Diversification Activities including Renewable Energy Projects Equine, Horsebox and Trailers Personal Accident bespoke Our business relationship with one of the directors dates back many years. Since moving to Bruce Stevenson in 2006, the attention and service from the team has been excellent and we wouldn t hesitate to recommend them as insurance brokers to the farming sector. Rory Young, FJ Young & Sons, Congeith Farm and Scottish Christmas Trees, Dumfriesshire

10 Heritage Property Bruce Stevenson has over 30 years experience arranging bespoke insurance for the heritage sector. Whether the risk is a country house, a town house, an art collection, commercially or privately owned, a museum or building preservation trust, all heritage properties require a specialist knowledge and sympathetic approach from both broker and insurer. Complex regulations, risk management, planning restrictions and high reinstatement costs must be taken into account when placing cover for heritage buildings, and Bruce Stevenson can advise on all. Bruce Stevenson is unique amongst its competitors in having in-house fine art expertise to help our clients choose the most appropriate policy wording and establish the correct basis of valuation whether for replacement, restoration or copy. We work closely with our clients so that their collections remain appropriately protected in a fluctuating art market by advising on values, security and restoration. We work with a select panel of leading underwriters and our tailored service includes cover and advice for: Cover from a Selected Panel of Leading Underwriters Privately Owned and Commercial Risks Public, Employers and Products Liability Collection Management and Valuation Advice Risk Management Advice bespoke Listed and Heritage Buildings Trustees Indemnity Fine Art, Antiques and Contents Revenue Protection Specialist Buildings Valuation Dedicated Claims Team Bruce Stevenson provides us with an attentive, professional service which is complimented by regular visits. They work closely with us to develop an in depth knowledge of our requirements and understand the different elements of managing a historic building and its collections alongside our evolving business needs. Lennoxlove House Ltd

11 Claims Unlike many other brokers, Bruce Stevenson have a trained and dedicated in house claims team and take great pride in this. Their role is to support and advise our clients when making a claim. They can oversee the whole process from the first notification to its conclusion, while offering an efficient and knowledgeable service with personal attention throughout. When we buy insurance we hope we never need to use it, but in the unfortunate event that we do it is almost always in difficult circumstances. Most claims are straightforward to resolve satisfactorily, but in the event of a larger claim it is important that your business is back up and running quickly, or that your personal property is replaced or repaired with as little inconvenience as possible. Our dedicated claims handlers manage the communications with insurers, loss adjusters and third parties on your behalf, keeping you up to date with all progress. It is a testament to the high standard of service and expertise of our claims team that some of our key insurers have awarded us with delegated authority enabling us to settle some claims on their behalf, providing an even more rapid response to our clients. bespoke I appreciate your immediate attention whenever contacted. It used to be called customer service now known as exceeding customer expectations. D. Gregory, Ireland

12 Risk Management Government figures suggest that nearly one in five businesses suffer a major disruption every year. Further research suggests 80% of businesses affected by a major incident close down within 18 months, and 90% of those who lose their data are forced to close down within two years. While your business cannot eliminate financial and physical uncertainty, risk identification and control, coupled with a stress tested plan can help ensure that it should be able to reduce the risks to become manageable, saving both time and money. The key stages in delivering a robust business continuity plan are risk identification, analysis, implementation and monitoring. While also looking at all appropriate perils and risks including fire, injury, disability, storm, flood, environmental, legal, products and employment liabilities, and e-commerce exposures. Bruce Stevenson endeavours to build strong and productive relationships with its business clients so that we can offer ongoing and well informed advice and bespoke cover. We deliver our Risk Management services in two ways: On a one to one basis with a dedicated Account Executive offering a risk audit of your business practices and assistance in implementing a cost effective and tailored Risk Management Plan. Through a suite of electronic systems to be accessed by you on line and deployed when and where you need them including Continuity Resilience Response, Health and Safety management and training. We have found Bruce Stevenson s Risk Management offer as a cost effective and efficient means of delivering a range of health and safety training to over 100 staff and we are now implementing other parts of the system to manage our health and safety arrangements. This successful Implementation of the system has been backed up by a responsive team who deal with any issues as they arise. Cube Housing Association bespoke

13 Are you confident that you are receiving the best advice, cover and value that the insurance market offers? Our growing client base certainly believes so. Edinburgh 76 Coburg Street, Edinburgh EH6 6HJ T F E. Glasgow Dundas Business Centre, New City Road, Glasgow G4 9JT T F E. London 60 Cannon Street, London, EC4N 6NP T F E. Bruce Stevenson Risk Management Ltd is authorised and regulated by the Financial Services Authority