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Business Insurance - Advantages and Disadvantages

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CBG FOR

BUSINESS.

(2)

SERVICESFOR BUSINESS

we’re nice

people to

deal with.

Best of all,

‘‘

‘‘

(3)

CBG FOR BUSINESS

Over the years, we’ve honed and refined a pretty comprehensive range of services for businesses of all sizes, across all sectors. And if we don’t do it ourselves, we’ll recommend someone we trust who can. You may only need one element of our service. You may need all. But however far our relationship with you extends, our service promise is unshakeable.

We’re thorough, professional, reliable, efficient and, best of all, we’re nice people to deal with.

We can’t be all things to all people. But we can be all things to people who share

our down-to-earth ideals and straightforward approach to business. People who

want to get things done, and done right (people like you, we hope).

SERVICE.

THAT’S A PROMISE.

PRESERVE, PROTECT AND GROW.

(4)

CORPORATE INSURANCEFOR BUSINESS

hassle and paperwork

off your desk

Taking as much

‘‘

as possible.

(5)

On the other, it matters very much, because we intend to dig deep, understand all the nuances of your specific set up and tailor your policies precisely. We also aim to work very closely with you moving forward, so that, as your business evolves and changes, we’re right there with suggestions and amendments, making sure you always have optimal cover and are always in line with changing legislation.

You’ll have a dedicated account manager and team on the case, to offer advice and co-ordination, taking as much hassle and paperwork off your desk as possible. And if you need to make a claim, they’ll introduce you to one of our claims specialists, who’ll handle everything quickly and efficiently for you.

Our expertise covers:

• Asset Protection Insurance • Business Interruption Insurance • Computer Insurance

• Combined Liability Insurance • Business Travel Insurance • Contractors All Risks Insurance • Professional Indemnity Insurance • Directors and Officers Insurance • Motor Fleet Insurance

• Excess Layer Insurance • Engineering Insurance • Motor Trade Insurance • Dedicated Claims Service And much more...

On one hand, it doesn’t matter to us what business you’re in, how big your

organisation is or how you operate, because we work with companies of all

sizes across all sectors.

INSURANCE.

WITH ADDED

ASSURANCE.

PRESERVE, PROTECT AND GROW.

5

CBG FOR BUSINESS

(6)

It might be stating the obvious, but employee benefits are extremely beneficial.

Not just for employees though. Better staff retention and recruitment are part of

it, but it goes deeper still.

REWARDS.

WITH SERVICE

THAT’S REWARDING.

EMPLOYEE BENEFITS FOR BUSINESS

With the right strategy, employee benefits can really strengthen the relationship between employer and employee and build understanding and loyalty, creating a better working environment for everyone.

There is no ‘one size fits all’ solution however, and we’ll need to get to grips with your specific operation and the issues you face. With that as a basis we can design a strategy that does the job you need it to. Maybe even better than you expect it to.

We keep an eye on things moving forward too, so we can react to any changes to your set up, or to standards in your industry, and adapt things accordingly. Flexible and agile to the last, that’s us. Budget is obviously a determining factor, so we promise not to get carried away, and we can phase your plan in over time, if that makes sense. You may have to gird your loins; this whole area can get quite complex, but we’ll explain everything in straightforward terms and offer impartial advice you can trust, to make sure our service is as rewarding as your benefits package.

Our expertise covers:

• Staff Pension Schemes • Flexible Benefit Schemes • Group Protection:

• Life Assurance

• Income Protection

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PRESERVE, PROTECT AND GROW.

7

CBG FOR BUSINESS

Flexible

and

agile

to the last

that’s us.

‘‘

(8)

RISK MANAGEMENTFOR BUSINESS

performance, enhance

your reputation

Improve

‘‘

and

CBG FOR BUSINESS

COMPLIANCE.

OUR

UNDERSTANDING

IS COMPLETE.

The biggest risk we face here is making you feel like running for the hills.

Risk management can get a bit technical, and there are lots of aspects to consider. But we thrive on the complex.

Every business is under pressure to comply with legislation and with the conditions of their insurance policies. They need to identify risks and act accordingly.

Our skilled assessors and surveyors know exactly what to look for, and are extremely thorough (verging on the obsessive). They’ll highlight the issues to consider, offer straight-forward advice and provide all the help you need to be completely compliant.

The upshot is that your business is protected as well as it can be against anything that could conceivably go wrong. And as well as providing a safer work place, having a programme in place to manage risk can also improve performance, enhance your reputation and lower your premiums. Bonanza.

lower your premiums.

(9)

Money’s got very convoluted in this day and age. Things must have been

far simpler when we were still swapping clay pots for sacks of barley.

SECURITY.

CO-ORDINATED

WITH ACUITY.

FINANCIAL PLANNINGFOR BUSINESS CBG FOR BUSINESS

Now you need a bit more than a sturdy fence to protect your assets.

The joy of it is, our financial bods thrive on the complex, and pride themselves on piecing all the different elements into a clear and straightforward financial plan.

They start with a thorough health check of your business to work out exactly what you need and what your goals are. They’ll think of everything from key person and life insurance, to protect your people, to tax efficient investments that grow your assets, to ways of releasing equity without borrowing.

The aim is better financial security, both for your business, and your own future.

Our expertise covers:

• Key Person Insurance • Shareholder Insurance

• Self Administered Pension Schemes • Investments

• Retirement and Exit Planning for Directors and Group Employees

• Corporate Investment

PRESERVE, PROTECT AND GROW.

9

thrive

on the

complex.

Our financial bods

‘‘

(10)

So when it comes to due diligence, consider every ‘i’ dotted and every ‘t’ crossed. We combine our insurance and employee benefits expertise with our understanding of the liabilities, demands and responsibilities involved, and undertake a detailed forensic audit of the company you’re planning to buy, making sure all the intricacies have been carefully thought through.

Moving forward, we can advise on every issue, such as key person insurance and employee benefits, to bring the new acquisition in line with your current operation.

Our expertise covers:

• Insurance and Employee Benefits Due-Diligence • Structuring Insurance and Employee Benefits

Post-Transaction

• Key Person Insurance for the Benefit of Funders

Corporate consolidation is something we know a bit about. After all, it’s how

we’ve grown our business and expanded our areas of expertise, consolidating

17 acquisitions in 9 years.

EXPERTISE.

FROM FIRST HAND

EXPERIENCE.

CORPORATE TRANSACTION SUPPORTFOR BUSINESS CBG FOR BUSINESS

every ‘i’dotted

and every

‘t’crossed.

When it comes to

due diligence consider

‘‘

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PRESERVE, PROTECT AND GROW.

11

HEALTHCAREFOR BUSINESS CBG FOR BUSINESS

If your printer’s faulty and not working properly, you get a technician out straightaway to fix it. But if a member of the team has a health issue that’s stopping them functioning as normal, they may have to wait weeks or months for treatment. That’s clearly awful for them. But it’s not great for you either. Corporate healthcare not only means a faster recovery for your staff, it also means you have a more productive workforce.

In short, it’s win win.

Offering impartial advice, we can help research, design and implement an appropriate healthcare scheme within your budget, and we’ll keep on top of things to make sure any changes are accounted for. What we’re after is healthy, happy staff, and a healthy, happy business.

Our expertise covers:

• Private Medical Insurance

• Employee Assistance Programmes • Absence Management Programmes • International Private Medical Insurance • Health Screening

• Cash Plans

For a moment, think of your staff purely as a resource. Equipment. Like a printer.

NURTURE.

(12)

CBG FOR BUSINESS TRAVEL INDUSTRY INSURANCEFOR BUSINESS

We can arrange chartered and scheduled airline failure insurance as well as Travel Bonds. So, you get the security of knowing your travel clients are well looked after, as well as the security of knowing you’ll be well looked after too.

Our expertise covers:

• Bonds Inc. ATOL, ABTA, IATA, and Airline. • Travel agents/Tour Operator Liability Cover.

PROTECTION.

FOR A NICHE

OPERATION.

you’ll be well

looked after.

The security of knowing

‘‘

‘‘

We’ve never thought of ourselves as a mainstream, run of the mill insurance

business. And we’re keen to operate in specialist markets that others avoid.

Such as insurance for the airline industry.

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CBG FOR BUSINESS SCIENCE AND TECHNOLOGY INSURANCEFOR BUSINESS

Working with a diverse range of clients from industries such as life sciences, telecoms, medical technologies and IT, we immerse ourselves in the complexities of each individual situation.

Once we’ve got to grips with the whys, wherefores and legislative implications, we can come up with some innovative ideas of our own.

We’re thorough, so we look at every area, from risk management to bespoke policies, and we aim to work very closely with you moving forward, so that you always have optimal cover in line with changing legislation.

You’ll have a dedicated account manager and team on the case, to offer advice and co-ordinate everything, taking as much hassle and paperwork

off your desk as possible. And if you need to make a claim, they’ll introduce you to one of our claims specialists, who’ll handle everything quickly and efficiently for you.

Our expertise covers:

• Asset Protection

• Business Interruption/Loss of Revenue Protection • Public and Products Liability

• Employers Liability • Medical Malpractice • Professional Indemnity

• Clinical Trials (Including Single, Multiple and Global Trials)

• Intellectual Property

• Directors and Officers Liability Insurance • Virus, Hacking, Malware and Cyber Attack

Not much phases us at CBG. In fact, we delight in the challenges posed

by exciting new advancements in science and technology.

INNOVATE.

IT’S OUR INSTINCT.

every area

from

We’re thorough, so we look at

‘‘

risk management

to

bespoke policies.

‘‘

PRESERVE, PROTECT AND GROW.

(14)

CBG FOR BUSINESS AFFINITY PARTNERSHIPSFOR BUSINESS

We can work with diverse affinity partnerships, such as charities, trade unions, membership organisations and professional bodies to add real value to their member services and benefits. We dig deep to uncover the things members have in common, then work out special terms to suit each specific group. (If you’re not sure what we’re on about, don’t worry, we’ll talk everything through with you.)

If you’d prefer the products or services we agree on to look as if they’re coming directly from your organisation, that’s fine, we’ll ‘white label’ them so you can add your own branding. Alternatively they could be dual branded, or simply branded CBG; it’s up to you.

However it works, you can be sure you’re doing right by your members with the right products at the right price from the right people. Sound alright?

There are definite perks to being part of a group, but with CBG, it goes beyond

simply discounting rates.

TOGETHER.

WE CAN BE

STRONGER.

The

right products

at the

‘‘

right price

from the

right people.

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PRESERVE, PROTECT AND GROW.

(16)

designed and pr oduced by ultimate cr eative communications www .ultimate-uk.com telephone 01565 651589 CBG Group plc Head Office:

Southmoor House, Southmoor Road Manchester M23 9XD, UK

t +44(0)161 920 0200 f +44(0)161 920 0169

info@cbg-group.co.uk www.cbg-group.co.uk CBG Insurance Brokers Ltd and CBG Financial Services Ltd are Authorised and Regulated by the Financial Services Authority. Company Registration No. 4090588

References

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