High quality, independent commercial Insurance brokers are an endangered species, as business insurance runs the risk of becoming a one-click commodity fuelled by algorithm not altruism. Despite the confident claims of well-known providers, the truth is, too many businesses buy into inadequate, generalised insurance cover, compromising their ability to survive in the event of a catastrophe or loss.
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Corporate & Commercial Insurance
At Cowens our business values are both professional and personal. Driven solely by our clients’ interests, we deliver impartial advice and bespoke survival solutions. Disruptors long before the term was invented, we seek to improve on your current cover, focussing on your business ahead of price (though naturally we strive for the most cost-effective premiums.) We consider your unique advantages, threats and challenges to produce considered, comprehensive, personalised commercial insurance programmes designed to protect against real-world risk and exposure.
From relatively simple requirements to vast specifications, we offer an in-depth understanding of complex risks and decades of experience of adapting insurance programmes that are reliable, stable and formed entirely around your specific needs. Our multi-industry skill set and attention to the smallest of details ensure efficacy of cover and the provision of a product that’s tailored to protect against a breadth of unforeseen eventualities.
If you’d prefer an insurance programme that ensures your business infrastructure and revenue are reliably indemnified and future-proofed… we’re with you. Contact our Chartered team today.
The Survival Capability Service … We’re With You
We are not a one-size fits all provider. We will build our ongoing service around your business, maintaining contact, building relationships and providing support as frequently as required.
If you need to process a change, perhaps to add a building or asset, we’re straight on it. Meanwhile our Risk Solutions service allows us to continue to assess, monitor and control risk.
In the event of claims we interface with underwriters, claims handlers and loss adjusters, for larger claims acting as the insured’s Loss Assessor, assisting in the presentation of the claim and negotiating the most favourable settlement.
So you can get on with doing what you do best, in the assurance that we are acting in your best interests to maintain protection, prosperity and peace of mind.
Are you with us?
The Survival Capability Process
We want to click with you. Not just click and move on…
If you ask us to quote, we want to get to know you. After an initial meeting, our new client survey will seek to find out exactly how and why you do business. We don’t generalise or assume – instead we strive to understand your individual processes, objectives and assets. So we can be an asset to you. We will assess your existing insurance programme and claims experience and, if appropriate, Cowens Risk Solutions will evaluate risks and liabilities, as an underwriter would.
Based on the information gathered and our breadth of experience, our specialist Broking Unit will survey and source underwriters to fulfil your specific client needs. Our close relationships with underwriting partners ensure total quality control and consistency of approach, proposing partnerships that are about efficiency not bias.
Whilst favourable premiums are part of the package, the extent of cover, liability and future security are fundamental. We will present a report offering general advice and specific critique of your existing cover, highlighting any potential areas of under-insurance, along with a quotation for the current programme and for the cost of improving it.
Should we have the pleasure of winning your business you will receive confirmation and statutory certificates and will be allocated a dedicated handling team to consult on a day-to day basis and in the event of a claim. We will check and amend policy documents and schedules and supply an Insurance Risk Register detailing your provision and service contact team.
Our Chartered Status
Chartered insurance brokers. Chartered financial planners. Your assurance of excellence.Cowens’ clients enjoy the reassurance of comprehensive, unbiased excellence, granted by the Chartered Insurance Institute (CII) the professional body for insurance and financial services. Chartered status is awarded only to firms who demonstrate a commitment to developing knowledge, enhancing capability, developing professional competency and maintaining ethical standards.
