Business Insurance - Advantages and Disadvantages

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1 CBG FOR BUSINESS. PRESERVE, PROTECT AND GROW.

2 SERVICES FOR BUSINESS Best of all, we re nice people to deal with.

3 CBG FOR BUSINESS SERVICE. THAT S A PROMISE. We can t be all things to all people. But we can be all things to people who share our down-to-earth ideals and straightforward approach to business. People who want to get things done, and done right (people like you, we hope). Over the years, we ve honed and refined a pretty comprehensive range of services for businesses of all sizes, across all sectors. And if we don t do it ourselves, we ll recommend someone we trust who can. You may only need one element of our service. You may need all. But however far our relationship with you extends, our service promise is unshakeable. We re thorough, professional, reliable, efficient and, best of all, we re nice people to deal with. PRESERVE, PROTECT AND GROW. 3

4 CORPORATE INSURANCE FOR BUSINESS Taking as much hassle and paperwork off your desk as possible.

5 CBG FOR BUSINESS INSURANCE. WITH ADDED ASSURANCE. On one hand, it doesn t matter to us what business you re in, how big your organisation is or how you operate, because we work with companies of all sizes across all sectors. On the other, it matters very much, because we intend to dig deep, understand all the nuances of your specific set up and tailor your policies precisely. We also aim to work very closely with you moving forward, so that, as your business evolves and changes, we re right there with suggestions and amendments, making sure you always have optimal cover and are always in line with changing legislation. You ll have a dedicated account manager and team on the case, to offer advice and co-ordination, taking as much hassle and paperwork off your desk as possible. And if you need to make a claim, they ll introduce you to one of our claims specialists, who ll handle everything quickly and efficiently for you. Our expertise covers: Asset Protection Insurance Business Interruption Insurance Computer Insurance Combined Liability Insurance Business Travel Insurance Contractors All Risks Insurance Professional Indemnity Insurance Directors and Officers Insurance Motor Fleet Insurance Excess Layer Insurance Engineering Insurance Motor Trade Insurance Dedicated Claims Service And much more... PRESERVE, PROTECT AND GROW. 5

6 EMPLOYEE BENEFITS FOR BUSINESS REWARDS. WITH SERVICE THAT S REWARDING. It might be stating the obvious, but employee benefits are extremely beneficial. Not just for employees though. Better staff retention and recruitment are part of it, but it goes deeper still. With the right strategy, employee benefits can really strengthen the relationship between employer and employee and build understanding and loyalty, creating a better working environment for everyone. There is no one size fits all solution however, and we ll need to get to grips with your specific operation and the issues you face. With that as a basis we can design a strategy that does the job you need it to. Maybe even better than you expect it to. Our expertise covers: Staff Pension Schemes Flexible Benefit Schemes Group Protection: Life Assurance Income Protection Critical Illness We keep an eye on things moving forward too, so we can react to any changes to your set up, or to standards in your industry, and adapt things accordingly. Flexible and agile to the last, that s us. Budget is obviously a determining factor, so we promise not to get carried away, and we can phase your plan in over time, if that makes sense. You may have to gird your loins; this whole area can get quite complex, but we ll explain everything in straightforward terms and offer impartial advice you can trust, to make sure our service is as rewarding as your benefits package.

7 CBG FOR BUSINESS Flexible and agile to the last that s us. PRESERVE, PROTECT AND GROW. 7

8 RISK MANAGEMENT FOR BUSINESS CBG FOR BUSINESS COMPLIANCE. OUR UNDERSTANDING IS COMPLETE. The biggest risk we face here is making you feel like running for the hills. Risk management can get a bit technical, and there are lots of aspects to consider. But we thrive on the complex. Every business is under pressure to comply with legislation and with the conditions of their insurance policies. They need to identify risks and act accordingly. Our skilled assessors and surveyors know exactly what to look for, and are extremely thorough (verging on the obsessive). They ll highlight the issues to consider, offer straight-forward advice and provide all the help you need to be completely compliant. The upshot is that your business is protected as well as it can be against anything that could conceivably go wrong. And as well as providing a safer work place, having a programme in place to manage risk can also improve performance, enhance your reputation and lower your premiums. Bonanza. Improve performance, enhance your reputation and lower your premiums.

9 FINANCIAL PLANNING FOR BUSINESS CBG FOR BUSINESS SECURITY. CO-ORDINATED WITH ACUITY. Money s got very convoluted in this day and age. Things must have been far simpler when we were still swapping clay pots for sacks of barley. Now you need a bit more than a sturdy fence to protect your assets. The joy of it is, our financial bods thrive on the complex, and pride themselves on piecing all the different elements into a clear and straightforward financial plan. They start with a thorough health check of your business to work out exactly what you need and what your goals are. They ll think of everything from key person and life insurance, to protect your people, to tax efficient investments that grow your assets, to ways of releasing equity without borrowing. The aim is better financial security, both for your business, and your own future. Our expertise covers: Key Person Insurance Shareholder Insurance Self Administered Pension Schemes Investments Retirement and Exit Planning for Directors and Group Employees Corporate Investment Our financial bods thrive on the complex. PRESERVE, PROTECT AND GROW. 9

10 CORPORATE TRANSACTION SUPPORT FOR BUSINESS CBG FOR BUSINESS EXPERTISE. FROM FIRST HAND EXPERIENCE. Corporate consolidation is something we know a bit about. After all, it s how we ve grown our business and expanded our areas of expertise, consolidating 17 acquisitions in 9 years. So when it comes to due diligence, consider every i dotted and every t crossed. We combine our insurance and employee benefits expertise with our understanding of the liabilities, demands and responsibilities involved, and undertake a detailed forensic audit of the company you re planning to buy, making sure all the intricacies have been carefully thought through. Our expertise covers: Insurance and Employee Benefits Due-Diligence Structuring Insurance and Employee Benefits Post-Transaction Key Person Insurance for the Benefit of Funders Moving forward, we can advise on every issue, such as key person insurance and employee benefits, to bring the new acquisition in line with your current operation. When it comes to due diligence consider every i dotted and every t crossed.

11 HEALTHCARE FOR BUSINESS CBG FOR BUSINESS NURTURE. FOR THE FUTURE. For a moment, think of your staff purely as a resource. Equipment. Like a printer. If your printer s faulty and not working properly, you get a technician out straightaway to fix it. But if a member of the team has a health issue that s stopping them functioning as normal, they may have to wait weeks or months for treatment. That s clearly awful for them. But it s not great for you either. Corporate healthcare not only means a faster recovery for your staff, it also means you have a more productive workforce. In short, it s win win. Offering impartial advice, we can help research, design and implement an appropriate healthcare scheme within your budget, and we ll keep on top of things to make sure any changes are accounted for. What we re after is healthy, happy staff, and a healthy, happy business. Our expertise covers: Private Medical Insurance Employee Assistance Programmes Absence Management Programmes International Private Medical Insurance Health Screening Cash Plans PRESERVE, PROTECT AND GROW. 11

12 TRAVEL INDUSTRY INSURANCE FOR BUSINESS CBG FOR BUSINESS PROTECTION. FOR A NICHE OPERATION. We ve never thought of ourselves as a mainstream, run of the mill insurance business. And we re keen to operate in specialist markets that others avoid. Such as insurance for the airline industry. We can arrange chartered and scheduled airline failure insurance as well as Travel Bonds. So, you get the security of knowing your travel clients are well looked after, as well as the security of knowing you ll be well looked after too. Our expertise covers: Bonds Inc. ATOL, ABTA, IATA, and Airline. Travel agents/tour Operator Liability Cover. The security of knowing you ll be well looked after.

13 SCIENCE AND TECHNOLOGY INSURANCE FOR BUSINESS CBG FOR BUSINESS INNOVATE. IT S OUR INSTINCT. Not much phases us at CBG. In fact, we delight in the challenges posed by exciting new advancements in science and technology. Working with a diverse range of clients from industries such as life sciences, telecoms, medical technologies and IT, we immerse ourselves in the complexities of each individual situation. Once we ve got to grips with the whys, wherefores and legislative implications, we can come up with some innovative ideas of our own. We re thorough, so we look at every area, from risk management to bespoke policies, and we aim to work very closely with you moving forward, so that you always have optimal cover in line with changing legislation. You ll have a dedicated account manager and team on the case, to offer advice and co-ordinate everything, taking as much hassle and paperwork off your desk as possible. And if you need to make a claim, they ll introduce you to one of our claims specialists, who ll handle everything quickly and efficiently for you. Our expertise covers: Asset Protection Business Interruption/Loss of Revenue Protection Public and Products Liability Employers Liability Medical Malpractice Professional Indemnity Clinical Trials (Including Single, Multiple and Global Trials) Intellectual Property Directors and Officers Liability Insurance Virus, Hacking, Malware and Cyber Attack We re thorough, so we look at every area from risk management to bespoke policies. PRESERVE, PROTECT AND GROW. 13

14 AFFINITY PARTNERSHIPS FOR BUSINESS CBG FOR BUSINESS TOGETHER. WE CAN BE STRONGER. There are definite perks to being part of a group, but with CBG, it goes beyond simply discounting rates. We can work with diverse affinity partnerships, such as charities, trade unions, membership organisations and professional bodies to add real value to their member services and benefits. We dig deep to uncover the things members have in common, then work out special terms to suit each specific group. (If you re not sure what we re on about, don t worry, we ll talk everything through with you.) If you d prefer the products or services we agree on to look as if they re coming directly from your organisation, that s fine, we ll white label them so you can add your own branding. Alternatively they could be dual branded, or simply branded CBG; it s up to you. However it works, you can be sure you re doing right by your members with the right products at the right price from the right people. Sound alright? Theright products at the right price from the right people.

15 15 PRESERVE, PROTECT AND GROW.

16 CBG Group plc Head Office: Southmoor House, Southmoor Road Manchester M23 9XD, UK t +44(0) f +44(0) info@cbg-group.co.uk CBG Insurance Brokers Ltd and CBG Financial Services Ltd are Authorised and Regulated by the Financial Services Authority. designed and produced by ultimate creative communications telephone Company Registration No