Need Reliable Insurance Coverage?

An insurance broker serves as a liaison between individuals and companies seeking insurance policies. Their main duty is to assist them in obtaining the most suitable insurance policies to cater to their specific requirements. Insurance brokers deal with a diverse range of insurance products, from home and car insurance to complex business insurance policies.

Another important role of an insurance broker is to help their clients navigate the claims process. If you need to file a claim on your insurance policy, your broker can help you understand what you need to do and guide you through the process. At Clutterbuck Insurance Brokers, we believe that a good insurance broker doesn’t just stop there, we can also provide advice on other risk mitigation techniques like avoidance or risk reduction.

Clutterbuck Insurance Brokers offer a valuable service that can save you both time and money. By using an insurance broker, you gain access to underwriters that are not available to the public and can negotiate lower premiums on your behalf. Additionally, you will have a professional on your side in the event of a claim, who understands the nuances of a policy wording and your rights as a client. With an insurance broker, you can rest assured that you have the best possible coverage at the best possible price.

When it comes to determining the type of coverage you need, there are a variety of factors to consider. For example, do you own a home? Are you a business owner? Do you have a family to protect? These are just a few of the many questions we will ask to help us understand your unique situation and create a tailored insurance plan that fits your needs and budget.

Our goal is to provide you with peace of mind and protect the things that matter most to you. So whether you need home, auto, business, or other insurance cover, we've got you covered. Contact us today to schedule a consultation with one of our friendly and knowledgeable brokers.

At Clutterbuck Insurance Brokers, we understand that determining the appropriate amount of insurance coverage can be a daunting task. It's important to consider your individual needs and circumstances when making this decision. Our team work with you to analyse your risks and assets to determine the right coverage for your specific situation. We believe that it's better to be safe than sorry, so we always recommend purchasing enough coverage to protect yourself and your assets in the event of an unforeseen circumstance. Remember, insurance is not a one-size-fits-all solution, so it's important to work with a knowledgeable broker to determine the right amount of coverage for you.

Filing a claim can be a stressful experience. However, we want to assure you that we are here to help you every step of the way. When you file a claim, we will assign a dedicated claims specialist to your case who will work with you to understand the details of your situation and guide you through the process.

Our goal is to provide you with the support and expertise you need to ensure your claim is processed accurately and efficiently. We will work for you, and with the insurance company to negotiate the best possible settlement for you based on your policy coverage and the specific circumstances of your claim.

So if you ever need to file a claim, don't hesitate to contact us. We are always here to help you navigate the process and get you the support and outcome you need to get back on your feet.

At Clutterbuck Insurance Brokers, we understand that life is full of unexpected events. If you've had a previous claim, it doesn't necessarily mean that you won't be able to get insurance. However, it may affect the cost of your premiums or the type of coverage available to you. It is important to inform your insurance broker of any previous claims as we have a duty to disclose this information to any potential insurers. We believe that everyone deserves access to quality insurance coverage, regardless of their past claims history. So don't hesitate to reach out to us and let us help you protect what matters most.

We can certainly help you try and save money on your insurance premiums! We know that insurance can be a significant expense, and we strive to offer policies that are both affordable and comprehensive. We will work with you to assess your insurance needs and find ways to reduce your premiums without sacrificing the coverage you require.

At Clutterbuck Insurance Brokers, we believe that insurance should be accessible to everyone, and we are committed to providing our clients with the best possible value. So whether you are looking for home, auto, or business insurance, we are here to help you find the policy that meets your needs and budget.

An "Occurrence" insurance policy covers claims that arise from incidents that occurred during the policy period, regardless of when the claim is made. For example, if you had an "Occurrence" policy in 2020 and a claim is made in 2022 for an incident that occurred in the 2020 period of insurance, the claim would trigger the policy active in 2020.

Public Liability policies are generally written on an “occurrence” basis, it is important to organise this insurance before you start work to avoid trading uninsured. If a claim was to arise from work that was completed 4 years ago, the insurer who held the policy at the time of the event is responsible for the claim as it “occurred” during their active policy.

On the other hand, a "Claims Made" insurance policy covers claims that are made during the policy period, regardless of when the incident occurred. So, using the same example as before, if you had a "Claims Made" policy in 2022 and a claim is made in 2022 for an incident that occurred in 2020, you would be covered under the 2022 policy as a claim brought forward in that period of insurance is generally covered even if the work was completed years ago..

It's important to note that "Claims Made" policies often come with a "retroactive date," which is the earliest date from which incidents can be covered. This means that if you are looking to arrange a Claims Made policy, you will need to consider one with a retroactive date going back to when you started offering your services. If the retroactive date is only from the inception of the policy then the above example is void, and only services given after that date will be covered.

Most professional indemnity insurance policies are written on a claims made basis. It is important to consult your insurance broker regarding this cover to make sure past advice or services will not come back to cause you a headache should the policy not be arranged correctly. It might seem easier and cheaper to arrange this cover online yourself but without informed decision making it can be extremely costly for your business.