We prefer businesses that:

• are well-established and financially stable
• have a proactive approach to reporting changes to their business
• place a high importance on keeping up to date with legislation and trade issues
• want a long-term partnership with both their broker and insurer.
  
  
  
  
   

Property risks operating from fixed premises which are:

• purpose built or suitably converted and in a good state of repair
• located in a low crime area
• located in an area free from obvious flood hazards
• appropriately protected against fire and unlawful access.
  
  
  
  
  
   

Casualty risks which:

• recognise, assess and take action to control health and safety risks
• have a well-established and experienced management team
  
• have a robust and tested governance policy in place and HR procedures documented
• have no previous or planned sizable redundancy plans
• have clear accountancy responsibilities, authorities and audit trails.