Our Insight Is Your Protection

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1 Our Insight Is Your Protection

2 Introduction The world of insurance is hard to navigate so our job is to steer a path through it for you. If you value advice and appreciate having someone on your side then you should talk to us. We believe our clients find experienced professionals rather more helpful than call centres, automated phone systems and opera singers! Aside from our head office we now have offices in the City, Holbeach and in Cranleigh. Our City presence gives us even closer connections with top UK underwriters; our Lynas Vokes team in Lincolnshire gives us some real strength in the business and farming community in that region; our Bryant Kesek team in Cranleigh provides us with excellent niche opportunities for tree surgeons and forestry contractors. Whilst we can advise on virtually the whole range of insurances, our specialist teams are real experts in Property, the Professions and personal insurances for High Net Worth Our strengths are our focus on long term relationships and specialist knowledge in a wide range of sectors our goal is to make it as easy as possible for you to arrange the right cover. Howard Lickens CEO

3 About Clear Clear started in 2001 with the aim of making strong client and insurer relationships the bedrock of our business. We set about creating a distinct culture of professionalism coupled with informality and recruited only those people we were confident could prosper in that environment. Maintaining the central theme of strong relationships we also support our community. As well as getting involved with local business groups, we have proud associations with The Rose Theatre in Kingston Upon Thames and Linden Lodge School for visually impaired and disabled children in Southfields. Since then our services have evolved and our market position has strengthened. After just 5 years we entered the Top 100 Independent Insurance Intermediaries and in 2007 joined Brokerbility, an alliance of independent regional brokers controlling over 400m of premium and strongly placed with the major insurers. In 2008 we were proud to be named Insurance Intermediary of the Year by Insurance Age and in 2009 and 2011 acquisition opportunities led to our branches in Lincolnshire and the City of London.

4 Property We have built up our specialist Property Team with experience at solving problems not just selling policies. We insure single premises through to nationwide portfolios of residential and commercial properties and can offer you: We pride ourselves on understanding the property market and offer insurance solutions throughout the lifecycle of a property. From drawing board to occupation and beyond, we can arrange policies which solve early problems like Defective Title or Lease and Rights of Light, through to Latent Defects and Advanced Profit. Dedicated Account Manager and claims management contacts Timely, right first time documentation Market leading cover on individual or portfolio basis Engineering and inspection insurance Directors & Officers Insurance for Resident Management Companies Energy Efficiency Surveys Policies to cover environmental liabilities Our strong relationships with insurers give us access to the widest policy cover, backed by efficient claims handling. In addition we can offer managing agents an alternative to direct FCA authorisation and help achieve regulatory compliance as our Appointed Representative.

5 Professions At Clear we specialise in insuring businesses that provide advice. Professional Indemnity (PI) protects you against claims from your clients for wrongful advice, errors or omissions. So if you get something wrong with a design or you forget to advise your client of something, which results in a financial loss to them, PI can indemnify you against claims from your client and any legal costs incurred. Advertising, marketing & communications consultants Surveyors, property managers and estate agents Construction related businesses Translators, patent protection and intellectual property consultants Recruitment consultants, tour operators and travel agents IT consultants Management consultants Solicitors Accountants In fact almost any consultancy For many of our current Professions clients we arrange all their policies including office policies to cover buildings and contents, business interruption, employers & public liability. We can also help with motor fleet, private medical and a range of other insurances.

6 Business Insurance Our business clients are many and varied. They range from micro businesses to multi-million pound turnover companies operating globally and employing thousands. They prepare meals, care for vulnerable people; produce, transport and sell goods. They build property, carry out research and develop new technologies. But whether they re buying a policy for their own small business or developing an insurance programme on behalf of an employer, they probably want the same things to deal with someone they trust with specialist knowledge of their sectors who will give straight forward advice about the cover they need. Our multi discipline team has a wealth of experience of insuring businesses across many trade sectors, providing pragmatic advice and the protection our clients need to continue to operate successfully with risks thoughtfully managed. Why not see how we can help you?

7 Private Clients At Clear we are experienced in looking after the insurance needs of people with higher-value homes and possessions and designing a policy to meet their needs. Our private client service includes: A free, no-obligation quote to show the benefits our cover can provide A personal account manager to manage changes in cover as your needs change A visit to discuss your insurance needs if preferred Claims support When we conduct a review we often find that sums insured are inadequate with potentially disastrous implications. Could you be in a similar position due to newly acquired possessions or the rising values attributed to jewellery, antiques and fine arts? Rather than find out the hard way, why not seek our expert advice?

8 Head Office Wimbledon Wimbledon Bridge House 1 Hartfield Road Wimbledon London SW19 3RU Tel: Fax: Lincolnshire Office Cover House Wardentree Park Pinchbeck,Spalding Lincolnshire PE11 3ZN Tel: Fax: Cranleigh Office Exeter House Tylers Court Cranleigh Surrey GU6 8SA Tel: Fax: City Office 1 Great Tower Street London EC3R 5AA Tel: Fax: [email protected] Clear Insurance Management Limited. (Reg. No ) is authorised and regulated by the Financial Conduct Authority.