Naturally in a recession every cost comes under the microscope and no doubt insurance is one of them but shopping around for the cheapest isn’t likely to do you any favours if a claim occurs.

Cheap insurance is an oxymoron – if it’s cheap then something has had to go. And not insuring some risks is a gamble by definition.

And there’s another thing, if a claim occurred then there is a strong probability that more than one insurer will be involved – a fire will involve business interruption, engineering/plant insurance, possibly employer’s liability if a member of staff were injured or public liability if a member of the public were injured, motor insurance if a vehicle was damaged, and so on.

So, just for a moment think the unthinkable: The fire alarm goes off and it isn’t a drill. Fire engines – bells blazing. Staff milling around outside at a safe distance – is everyone there? Worries about vital papers. And then who do you call first? Us hopefully and we’ll start the ball rolling with your insurers. But if only you hadn’t gone to that web-site for cheap truck insurance – now you’ve got to ring them too. Then there’s the insurance broker down the road who has cut costs to the bone and took over your liability insurance – you’ve got to phone them as well but no-one’s available. And then you wait. Half a dozen loss adjusters are due – but when?

We’re not pretending that any claim is easy or stress free, but we do contact all the insurers that we have placed your business with and we orchestrate the attendance of the all-important loss adjusters and keep a watchful and urgent eye on the process from start to finish. And all of this applies equally to personal insurances. To have them all under one roof is a good thing. Our staff have been briefed to talk to our clients about NPA embracing all your insurance needs – we call it cross-selling.

We want you to trust us with all your insurance business knowing we will do the best deal commensurate with the best cover for your needs. That’s what we do.

We hope our clients recommend us to friends and acquaintances when the subject of insurance (almost inevitable these days) comes up as people who care not only at the point of sale but right the way through and especially if the misfortune of a claim occurs. If you think we’ve done a good job please tell us and your friends: if there are things we could improve please tell us first but not your friends! So, whether it’s commercial, personal or healthcare insurance or even financial advice, call us on 01462 440088

As the new year is upon us already it’s a good time to start with looking at goals and objectives.

A little refelction on what’s happened over 2011 and then a move towards a strategy with goals and objectives together with targets for implementation.

NPA have, for the last few days, been working on that focus so clients will be hearing more from us about the products we deal in, about whether the service is good and we’ll be asking for your recommendation to others.

We’re already a top 50 UK independent broker, we look after the insurance for clients ranging from SME to blue chip organisations. Local, regional, global!

If you need insurance you need an expert to give you professional advice, that’s what we do and we’re proud of it!

2012 is going for Growth!

Prevention is always better than cure and by communicating some of the most common causes of claims; we can help clients sidestep the misery of burst pipes and many other weather related hazards this winter.

Figures from the Association of British Insurers show that during last December alone, there were 103,000 claims for damage caused by burst pipes, generating a total bill of £680 million for the insurance industry.

Over and above the cost, there was then the stress and disruption borne by customers at a time when many were on holiday or trying to play host to family and friends.
If we can eliminate just 10 per cent of these claims by encouraging customers to make some basic checks and take some preventive measures then everybody will be well served by their actions. Continue reading →

Financial penalties and imprisonment are on the increase!

This Act raises the maximum fine which may be imposed in the lower Courts, to £20,000 for most Health & Safety offences.

It makes imprisoment an option for more offences in all Courts.

It alos makes certain offences triable in all Courts.

The idea of the Act is to ensure that all companies take Health & Safety seriously so be aware! Get help when it comes to risk management, talk to your insurer, your insurance broker or ask a consultant to look at the risks your business faces.

Call us on 01462 440088