ALAN & THOMAS COMMERCIAL RISK SERVICES. the new generation in insurance broking

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1 ALAN & THOMAS COMMERCIAL RISK SERVICES the new generation in insurance broking

2 ALAN & THOMAS COMMERCIAL RISK SERVICES THE NEW GENERATION IN INSURANCE BROKING OUR PURPOSE Alan & Thomas provide a national service in all aspects of Insurance and Financial Services from offices in Bournemouth and Gillingham. We aim to assist our clients as part of their professional advisory team. Our role is to advise on commercial insurance solutions, which help to minimise exposure to risk and ultimately achieve business objectives. The hallmark of our business is, and will remain, the provision of personal service, be it at the time of quotation or at the time of claim settlement. OUR HISTORY Alan & Thomas Insurance Brokers was founded in 1975 and over the years has expanded its activities in developing specific policies for clients. dcci DORSET CHAMBER of COMMERCE & INDUSTRY 1997 saw us enter into an agreement with Dorset Police to work closely with them in prevention of crime and we are proud to have become Founder Members of the Police Partnership Trust. In the year 2000, we became the first intermediary within the Dorset region to be awarded GISC (General Insurance Standards Council) status. This was an endorsement of our willingness to embrace industry 3 regulation and, indeed, exceed the standards expected of us. In 2002 we were invited to become Patrons of the DCCI (Dorset Chamber of Commerce and Industry) and are proud to have been selected for this pivotal commercial insurance role in the local business ALAN THOMAS & COMMERCIAL RISK SERVICES community. Also this year we registered our commitment to work towards recognition as an Investor in People. We are continually aiming to exceed client expectations and combine real added value with innovative and competitive policies of insurance. We would very much welcome enquiries in order that we may demonstrate our commitment to being first for quality, first for service and first for all insurance needs.

3 commercial & industrial

4 Minimising risks and protecting the investment made by principals is the sign of a successful and well structured business. Alan & Thomas Commercial Risk Services have specialised in providing simple insurance solutions to assist companies achieve these goals for over twenty years. No two businesses are the same. All require the individual attention of a highly skilled Insurance Broker such as Alan & Thomas. COMMERCIAL & INDUSTRIAL INSURANCE Assets, buildings, machinery, materials and stock are all items which can be covered, as are Corporate, Professional, Public and Product Liabilities. Hauliers Contractors Professional Practices Hoteliers Property Owners Manufacturers Wholesalers Engineers Importers/Exporters Distributors 5 Cover can be arranged for business interruption and against the legal liabilities incurred by a company. A company s most important asset is often the people and we recognise that protection for them is essential. Furthermore, it is vital that the personal assets of Directors are protected. We aim to find competitive and costeffective insurance cover, no matter how unusual the application, and include a full range of services for the following categories of business: The spectrum of clients is wide but the common factor is often the need for a unique policy wording to meet specialist requirements. This requires state of the art technology and direct access to the world s premier insurance markets which are the backbone of our day to day trading capabilities.

5 motor trade

6 MOTOR TRADE INSURANCE We recognise that our success, like that of our clients, depends on providing a high level of service to customers. So, at Alan & Thomas we have taken the time to understand clients business needs and through development of expertise in the Motor Industry we have put together a range of policies specific to the Motor Trade. Client s range from mobile mechanics to single and multi franchise UK dealerships, each with a specific and individual insurance and risk management need. The specialised and competitive policies we provide cover all aspects of the trade and offer unrivalled security and insurer strength. Our reputation for attention to detail and competitiveness of pricing has made Alan & Thomas one of the most highly respected names in this field. Even the best run businesses can be severely disrupted by an unexpected disaster - like a fire which destroys buildings, stock and contents. At such a time, the last thing that a business wants to worry about about is whether its policy will provide adequate cover. At Alan & Thomas, we will help to organise repair and replacement where applicable. But that s not all - our service is not just about making sure that claims are paid - we know that time is money and the most important thing is getting a business back on its feet as quickly as possible. We ll work together with our clients to help achieve this. The efficiency of claims handling is extremely relevant in the industry and, mindful of this, we have a dedicated claims service which we view as our showroom. We understand the 7 importance of delivering a timely and effective service at the time of loss or damage. Claims analysis is an often underestimated function. Our pro-active approach to claims analysis has won us business over the years and, utilising the latest in technology, we are able to identify adverse trends as they develop and help to address these in order to keep claims costs as low as possible. This ensures that in negotiations with the insurance market, we are securing the best possible deal for our client. The total claims management, understanding and commitment Alan & Thomas Commercial Risk Services have for the trade, puts us in an enviable position as one of the UK s major Insurance intermediaries for the Motor Industry.

7 construction

8 MOTOR FLEET INSURANCE From Milk floats to Milk tankers, five to five CONSTRUCTION INSURANCE At Alan & Thomas we understand the characteristics of the construction sector such as working in difficult situations and using complicated plant sometimes at height or underground. Work is normally carried out on third party land or premises involving a range of processes often including the application of heat. Casual labour is frequently used and compliance with Health and Safety legislation can prove onerous. Having this knowledge means that we pay a great deal of attention to matching the right set of policy covers to the risks that are presented to us be it cover for the self-employed individual, or the national firm engaged in sewer and bridge construction. Our aim is to provide this sector of industry with a tried and tested service which allows a company to competitively tender for contracts in the knowledge that all the support required from an insurance perspective is in place including the right insurance documents for submission with the tender. We are fully conversant with conditions of contract and have ready insurance markets in place for clients in need of the full range of construction insurance covers from Contractors Liability cover through to Professional Indemnity and Latent Defects covers. 9 hundred vehicles, Alan & Thomas Commercial Risk Services can make a difference to the arrangement and administration of motor fleet insurances. We understand the importance of keeping the fleet on the move and have developed sophisticated claims handling techniques to ensure minimal disruption to your work activities. Our pro-active approach to risk management has won us many accounts over the years, with particular emphasis being placed on driver training initiatives, vehicle security and driver motivation. From private cars, to heavy goods vehicles, we are able to arrange extremely competitive policy covers for any mix of vehicles. Claims analysis is an all important and often underestimated function. We have a computerised fleet management claims analysis available to all clients and, as a result, are able to identify the emergence of adverse incident trends. Each set of statistics is unique and allows us to make immediate recommendations in order to keep claims incidents and costs under control and as low as possible. This in turn ensures that at the time of negotiation with the insurance market we are driving the best possible deal for our clients.

9 agriculture

10 With our offices situated in the heart of West Country farming we are ideally placed to offer the local service demanded by the modern farmer. AGRICULTURAL INSURANCE Our approach is specific and unique. We work in partnership with only a few select insurers as specialists in the agricultural insurance arena. CHURCH INSURANCE From Chapels to Cathedrals, Alan & Thomas Commercial Risk Services fill the gap in the conventional insurance market traditionally available to churches. 11 We are able to provide an unrivalled range of policy cover at an extremely competitive price backed up by the security and strength of some of the largest insurers in the EC. We are entrusted with the arrangement and administration of insurances for numerous farms and estates from 30 to 5000 acres and are regularly asked to carry out an independent review of existing insurance arrangements. We recognise that we are judged by the efficiency and manner of our claims handling and see this as key to securing long term relationships with clients. We have in place a dedicated claims management team, responsible for agricultural clients claims handling and a total claims management service. Our systems include essential claims reporting and trend analysis with speedy and professional claim settlements. Because we are not representative of one insurer we are able to provide relevant and modern church insurance covers suitable to tackle the many risks faced by churches today. Over the years we have worked closely to provide specific denominations with tailor made policies of insurance within each group and have sought to provide an unrivalled service combining our broking expertise with risk management advice, covering such matters as crime prevention, Health & Safety, and disaster planning. We understand the difficulties faced by churches with changing legislation and increases in arson and crime causing major concern. All in all we consider ourselves as unique within the farm insurance arena and would welcome an opportunity to demonstrate our capabilities.

11 risk management

12 RISK MANAGEMENT SERVICE 13 There are many risks to business and the importance of taking measures to minimise these cannot be overestimated. For this reason, a key part of our role as Insurance Advisers is Risk Management. Our specialist advice is invaluable to business and in recognition of our expertise, insurers regularly provide us with improved terms not generally available within the insurance market. Additional services include the preparation of individually tailored Disaster Recovery Plans, ensuring that if the worst happens, measures are in place to minimise disruption and risk management issues are regularly discussed in our client newsletter. We aim to fill the role of trusted professional advisers to our clients and offer a service that ensures the continued trading and profitability of their businesses during good times and crucially when they need us most - in the event of a claim. Help will be given if required in assisting clients to implement, or extend their own self insurance programme. In addition, systems for the monitoring and supervision of claims can be designed for individual clients. This service is already proving its worth with numerous clients taking advantage of the benefits. They are not only enjoying greater security, but in most cases, improved policy cover.

13 financial

14 The world of finance is one shrouded in complexity but for those who can negotiate the maze there are many opportunities. FINANCIAL SERVICES To identify these opportunities the services of an impartial guide are required and it is this role that we can fill. Independent Financial Advisers are best placed to offer the highest standards of professional and impartial advice. Our technical expertise is founded on many years of experience and the attainment of professional qualifications. We focus our activities in two areas; Coporate Financial Solutions and Investment Portfolio Management. Our advice to the business world is based on the same approach as that of our Commercial Department. We seek to provide a comprehensive service that ensures value for both the principals and the employees. While our approach is professional we pride ourselves on an open style which results in clear and straightforward solutions to a wide variety of needs. The expertise we provide on the topic of Investment Management is based on a balance of experience, research and current market conditions. We provide advice to both the cautious and the risk taker with the emphasis on either growth or income. With client investments in the millions we have succeeded in obtaining significant levels of return. In both these areas we have recognised the importance of after sales service and have invested significantly in the latest technology which enables us to provide comprehensive reports and up to date valuations to corporate and personal clients alike. The need for a specialist and professional advice service has never been greater and we strongly believe that we have both the people and tools to provide that advice to the highest possible standard. 15

15 personal

16 We are able to offer a competitive range of individual motor, home and other personal insurances, coupled with the very latest in claims handling technology. We have been particularly pro-active in recent years in providing affinity groups with tailor-made policies for the members and individuals within their buying group and see this as a particular area of expertise for the future. One important area of national specialisation for us is High Net Worth Personal Insurance and in our quest to become a market leader in this field we have developed a range of policies for motor vehicles, homes and yachts. Our services are not limited to these categories of insurance and we would welcome an opportunity to demonstrate our capabilities for your specific requirements. PERSONAL INSURANCE MOTOR COVER The flagship in our range of personal insurance policies is motor cover for Rolls- Royce and Bentley motor vehicles. In 1990 we were proud to be appointed to market our services in support of the Rolls-Royce and Bentley Distributor Network in the UK and we are now one of the most expert Insurance Brokers in this field. We will continue to undertake to provide the standards of excellence deserved by owners of these prestigious vehicles. HOME COVER Whether the ancestral home with priceless contents and works of art, or a newly built property, we have the range of policies and services to meet the requirements. Competitive buildings and contents insurance is available whether for the average home or for those with family heirlooms and high value items. YACHT AND MOTOR BOAT COVER Alan & Thomas offer a specialist service to boat owners around the globe. Whether for a small craft or luxury yacht, we have the 17 capabilities of providing the right policy cover at an affordable price.

17 our organisation

18 OUR ORGANISATION OUR OBJECTIVES To operate a successful business clear objectives are essential and it is these which form the focus of our decision making process. They enable us to formulate a plan to not only meet but also exceed our clients expectations. To provide a personal and professional service to our clients. To meet the needs of our customers and ensure they are treated fairly and efficiently by both our suppliers and us. To invest in and utilize the potential provided by the latest technology to enable information to be exchanged immediately between our clients, our suppliers and us. To invest in people and encourage the development and involvement of a well motivated and professional team. OUR STANDARDS In an effort to ensure a continuity of service and to provide a benchmark on which both our clients and our suppliers can judge us, we have established a set of standards. The firm as a whole has worked hard to identify the key features, which have brought us success and those to which we need to adhere, if we are to achieve our future goals: To continually examine what we do and keep trying to improve. To always endeavor to do our best. To show integrity at all times. To be honest in our approach. To maintain confidentiality. To have open and approachable management. We recognise our clients are going somewhere in a hurry and we have the flexibility to keep pace with them. Our mission statement confirms our aim to be a key part of the professional advisory team that enables businesses to achieve their goals. Alan & Thomas are the new generation in insurance. 19

19 99 Holdenhurst Road Bournemouth Dorset BH8 8DY Tel: Fax: ALAN & THOMAS COMMERCIAL RISK SERVICES The Old Library Station Road Gillingham Dorset SP8 4PY Tel: Fax: Internet site: Alan & Thomas is a member of Countrywide Independant Advisers Limited which is regulated by the FSA. The FSA does not regulate all forms of the products or services we provide. Alan & Thomas Commercial Risk Services is a trading name of Alan & Thomas Insurance Brokers Limited. Registered Office: The George Business Centre, Christchurch Road, New Milton, BH25 6QJ. Registered in England No