Elm Insurance Brokers Ltd is an independent insurance intermediary based in Kent covering the South East area. We specialise in commercial insurance and pride ourselves on our quality of service and professional impartial advice that we provide to clients.
We are a customer focused brokerage and like to deal with clients on a face-to-face basis. Clients have a dedicated account handler throughout the life of their policy.
Getting the right insurance advice and cover from a trusted source can be difficult. Like the long-term relationships with your solicitor and accountant, we believe that your insurance relationship holds the same importance.
We understand that no two clients are the same and that insurance requirements will vary and need to be tailored to your needs. We get to know you and your business and, by understanding your business, we can identify the risks you face and help to minimise, manage, and protect against them.
Commercial Insurance
We have the experience and understanding to ask the right questions to identify your risks & needs to make sure your business is protected.
Commercial insurance policies can provide cover for various circumstances:
Material Damage
Covers your assets (computers, stock, machinery, contents, etc.)
Business Interruption
Covers the potential loss of income for your business in the event of a fire, theft, flood or other material damage peril disaster.
Employers' Liability insurance
Is a legal requirement if you have any employees. This covers the costs of employee claims for illness or injury caused by their work due to employers' negligence.
Public Liability insurance
Covers the legal and compensation related costs of claims made for injury to the public or property damage in connection with your business activities.
Product Liability insurance
Covers you against the cost of compensation for personal injuries &/or loss of or damage to property caused by your faulty product.
Professional indemnity insurance
Covers you against claims for loss or damage made by clients or third parties as a result of the impact of negligent services you provided or negligent advice you offered.
Directors' & Officers' Liability
Covers the cost of compensation claims made against your business' directors and key managers (officers) for alleged wrongful acts.
The main types of commercial insurance policies we deal with are:
- Commercial Combined
- Tradesmen
- Retail, Pubs & Restaurants
- Office
- Commercial & Residential Property Owners including unoccupied properties
- Commercial Vehicle & Motor Fleet
- Motor Trade
- Marine & Goods in Transit
- Engineering including statutory inspection
- Contract Works including owned plant/tools/equipment & hired-in plant cover
- Group Personal Accident & Business Travel
About Elm Insurance Brokers
Elm Insurance Brokers Ltd is owned & managed by Steve Doyle who has worked within the insurance industry for over 25 years specialising in providing risk solutions for commercial clients of all sizes.
Steve has worked directly for insurers such as Pearl Assurance and Axa and then switched to brokering, working for a national brokerage firm. In 2009 Elm was established with the aim & emphasis towards customer service instead of chasing sales targets.
We provide a fresh approach to the transaction of commercial insurance, working in partnership with our clients to provide bespoke insurance products at competitive prices. Whether you are an individual, an existing business or a new business starting out, we will advise you on the insurances that are legally required and the benefits of the various forms of cover available in the market.
We are able to offer an extensive range of insurance products from many of the leading insurers including the Lloyds and London markets. We access insurers who earn excellent ratings from independent credit rating agencies. This means you can be safe in the knowledge that they should be in a position to pay claims now and in the future.
We can achieve this as we are an appointed representative of East Pennine Insurance Consultants Ltd T/A Fletcher Smith Insurance. This gives us the Financial Conduct Authority compliance, buying power and experienced broking support of a large national brokerage.
For further details please visit www.fletcher-smith.co.uk.
Why choose us?
We pride ourselves on our expert personal service to the businesses we work with.
We know that in business a lot can change quickly and changes in circumstances can leave you under protected or with a policy that is not suitable. Through close account management we work with you to ensure this doesn’t happen and that you always have adequate and relevant commercial insurance cover in place.
Our client services include the following:
- A no-obligation review of your insurances
- Identification of any gaps in cover
- Obtaining insurance quotations from multiple insurance companies (we’re independent so not tied to any insurer)
- Placing cover with insurers
- Providing proof of cover & completing insurance questionnaires
- Answering any questions you may have & explaining any insurance jargon
- Face-to-face, telephone & online communication
- Ongoing one-to-one support throughout the year for queries & mid-term changes
- Claims handling service
Contact us
Having a commercial insurance broker whom you can trust & turn to for advice allows you to concentrate on running your own business. It’s our job to ensure that your business has the right protection at the right price.
Contact us for more information or to get a commercial insurance quotation.