HINE CHARTERED INSURANCE BROKERS PROTECTING THE FUTURE OF YOUR BUSINESS CHARTERED INSURANCE BROKERS

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1 PROTECTING THE FUTURE OF YOUR BUSINESS CHARTERED INSURANCE BROKERS

2 CHOOSING A CHARTERED INSURANCE BROKER LIKE HINE IS THE SAFEST AND EASIEST WAY TO INSURE YOUR BUSINESS CORRECTLY... PROTECTING THE FUTURE OF YOUR BUSINESS CHARTERED STATUS WHAT IT MEANS FOR YOU Arranging business insurance shouldn t have to be a long and complicated process far from it. There are countless insurance brokers out there who promise the best cover at the cheapest price but fail to deliver. Trusting a generic insurance policy to protect the business you ve worked so hard for, could leave you exposed to a whole variety of risks. At Hine Chartered Insurance Brokers, we firmly believe in putting the customer first and providing a professional and efficient service. Whether it s a phone call, an or an on-site visit, we go above and beyond for our customers to ensure that their business is protected now and in the future. Choosing a Chartered Insurance Broker like Hine is the safest and easiest way to insure your business correctly. Hine Insurance was awarded Chartered status over four years ago and our commitment to providing the very best service has continued to grow since then. Chartered status is not only a stamp of excellence and good practice, but an indicator of the quality of work we do. It gives clients the confidence to know they are in the hands of a broker who has an extensive knowledge of the industry and can support their business every step of the way.

3 DELIVERING WHERE OTHERS CAN T PRODUCTS BUILT AROUND YOU AND YOUR BUSINESS Attention to detail is paramount for Hine Chartered Insurance Brokers, so from the moment you make an initial query and throughout the duration of your policy s lifetime, we ensure that you have the right cover at a manageable price. It doesn t matter what sector you work in, how large or small your business is, or how long you ve been around, we have a great range of covers for you to choose from. We ll also support you as your business grows and can provide professional advice on how best to amend an existing policy or find a more suitable option from a range of covers. This means that whether you are looking to expand your business, recruit more people, move premises or explore a new market, we can help you ensure that the insurance policy you have in place protects you in the event of a claim. A Chartered team at your fingertips: Managing Director, Paul Hine, has worked in the industry for over 20 years and is ACII qualified. Dealing with larger clients, Paul is responsible for driving the business forward and developing new services for Hine customers. David Williams, Hine s Operations Director, has worked alongside Paul for 15 years and previously worked for two major international insurance brokers. David is responsible for looking after clients, office management and sourcing new business. Development Manager, Chris Booth Cert CII is at the forefront of obtaining new business as well as dealing with existing clients. His remit includes looking after the company s IT systems and he has worked at Hine for over 10 years. Hine s Development Executive, Bob Stevenson is FCII qualified and has worked in the industry for over 40 years. With a great wealth of experience, Bob is responsible for sourcing new business and dealing with his large client base. Rachael Carrington Cert CII, Development Executive, trained at a large insurer before joining Hine seven years ago. Rachael is responsible for developing the Hine commercial insurance account. Account Executive, Sally Ball, has a wealth of experience in dealing with High Net Worth clients and arranging suitable policies for her clients extensive personal needs. To identify risks accordingly, we take the time to look at every business thoroughly to make sure your policy is worded correctly and is competitively priced. Only this way can we be sure that your entire business is safe if you ever need to make a claim. Don t worry if you can t see what you re looking for, just let us know and we ll do our very best to tailor a policy to suit your business perfectly.

4 OUR BUSINESS IS PROTECTING YOUR BUSINESS TESTIMONIALS Every business needs business insurance, so here at Hine we have created a full suite of products especially designed to protect your business from every eventuality. COMMERCIAL COMBINED Combine multiple commercial covers under one simple, easy-to-manage policy to ensure that no stone is left unturned. EMPLOYERS LIABILITY If a member of your staff was injured or suffered loss whilst at work, employers liability insurance will compensate any cost incurred to ensure your business gets back on its feet as quickly as possible. PERSONAL ACCIDENT You never know how or when an accident will happen but with personal accident insurance you ll be covered if an employee is hurt on your premises or under your supervision. PROFESSIONAL INDEMNITY If you re trusted to deliver a service, offer specialist advice or handle data, professional indemnity insurance acts as a safeguard should you ever make a professional mistake or error in judgement. PROPERTY OWNERS If you own multiple properties then property owners insurance is a smart choice. It safeguards you, your tenants and your income should something happen. PUBLIC LIABILITY Depending on the extent of damages and the legal costs involved, a public liability claim could damage your business reputation or leave it in financial uncertainty. With public liability insurance, you don t need to worry about what s around the corner. RETAILERS INSURANCE The retail sector is quickly evolving into one of the most competitive industries around so there s never been a more crucial time to ensure that the insurance protecting your business is right. SME Small businesses are exposed to a whole host of insurance risks on a daily basis. Without SME insurance damaging claims have the potential to leave you out of pocket or tarnish your reputation. Our Chartered Brokers also have the skills and experience to provide bespoke cover for pubs and restaurants, construction insurance, buildings and contents insurance and even cyber liability insurance, which is perfect if your business uses online systems. HERE S WHY YOU NEED IT In a recent case one employer was forced to pay his employee 17,500 in compensation after he suffered an electric shock while at work. The employer had not taken out employers liability insurance and when a local Health & Safety Executive discovered that cover had not been in place for at least 300 days, it fined the employer an additional 2,500 for each day that he wasn t insured correctly, forcing the business to cease trading. Following the recent renewal of our commercial and fleet policies we would like to thank you for all your efforts in yet again securing the most favourable terms possible. Control of costs in any business is more vital now than ever and we are pleased that you have reduced our costs again, without compromise on the level of cover we have come to expect. Your continued help and advice throughout the year is most appreciated. EILEEN MASON COMMERCIAL MANAGER JAYMAR PACKAGING LTD Everyone at Hine Insurance Brokers Ltd is friendly and trustworthy. They work hard to look after us and also provide competitive premiums. LIZ DAY COMPANY SECRETARY BOLLIN VALLEY FLOORING LTD ALL PART OF THE SERVICE As well as our wide range of business insurance products, we can also advise on your personal insurance needs, from home and car insurance to travel insurance. So if you need help with that too, please just ask. TALK TO THE TEAM For a Chartered Insurance Broker that puts its clients first, talk to the team at Hine School Lane Didsbury Manchester M20 6WN T: F: E: info@hine.co.uk

5 TALK TO THE TEAM For a Chartered Insurance Broker that puts its clients first, talk to the team at Hine School Lane Didsbury Manchester M20 6WN T: F: E: info@hine.co.uk CHARTERED INSURANCE BROKERS V2