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Securing the Unknown

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What is a Broker?

Who do we work for, and why should you use us?

The role of the professional insurance broker is not always correctly understood, or appreciated.

We are a legal agent of the Client and not the agent of any insurance company. We act solely and independently as you, the clients, professional advisors.

Since we solely represent your, the client interests, we develop insurance programs that benefit you and not the insurance company. An insurance company can only offer you, the set products that they supply, or only those that they wish to offer to you. We identify the products that you need and find an Insurer that can deliver a total solution that best suits your needs.

We have a duty, as your broker, to explain the cover and the important exclusions at the inception of the policy. This is to ensure that you, the client, understand the full implications of your new policy. We give you, the client, the added value of makeing sure that you are are adequitely covered for your risk needs.

What do we do?

The services that we offer our clients are numerous, but primarily we assist you in obtaining adequate protection for your enterprise. We can help to limit your risk against financial loss as a result of unforeseen events, or accidents, arising out of your general business operations. By learning more about your business, and the way that it is conducted by you, we help you to identify the following:
  • What physical assets do you possess and where are they located?
  • How would your business be exposed financially to loss, in the event of loss or damage to your physical assets?
  • How and where could you incur legal liabilities, such as for personal injury to workmen, injury to third parties, loss of or damage to third party property due to accidents, or may be under contractual agreements?
  • What Risk Management techniques can you employ in order to minimize each of these perceived exposures and thus reduce risk of incurring loss, damage or liability?

A properly designed insurance portfolio can provide valuable protection against the financial effects of adverse or unforeseen events that may affect your business negatively.

As part of our services, we negotiate the best rate for your insurance cover with the insurers. This will give you the peace of mind knowing that your insurance needs are comprehensively met.

Our service does not stop there, in the event that you have to lodge a claim with the insurer, we will be there every step of the way. This is to ensure that your claim is correctly handled by the insurer, and that you are getting the service that you deserve as a valued client of Ascot & Fitch Insurance Brokers LLC.