It’s true. You might pay a bit more to use the services of an insurance adviser compared to buying your insurance directly from an insurer online. Is that extra cost worth it? We think so, and here are a few reasons why:

1. Do you really know what you are getting?

Have you read the policy terms and conditions, extensions and exclusions? We have. That’s our job. So we can tell you which policies offer which benefits depending on your situation and needs. The one we recommend will be the best value in terms of the cover provided for the price and claim service. We’re experts in the cover construction businesses need.

2. Claims can be complicated, do you want to battle an insurer on your own?

We do it every day on behalf of our clients. Some claims are easy but often in the construction sector, with contract works, liability and issues around faulty workmanship they can get very complicated. Do you have the expertise and experience to turn a no into a yes? Do you have the time to do this? We have tons of people we can call on to review claims if the insurer is not playing ball, and we can leverage our relationships with insurers to get the right result. Can you?

3. Can you obtain free expert legal advice to support your claim?

We can. As part of the Steadfast group we have access to a legal helpline to seek feedback on complicated claims. Steadfast’s claims triage system means we can escalate any claim that we believe has been wrongly assessed to the very top of the insurer’s organisation. Through our membership of the Insurance Brokers Association we can also access a panel of lawyers to obtain informal legal opinions on tricky claims. 

4. Do you have the time to compare quotes from multiple insurers, not just on price but on coverage and claim service too?

We do. That’s what we do. And we can do it quickly and easily for you.

5. Do you know what you don’t know?

When it comes to risk we do know what you don’t know. We know what catches you out when arranging insurance, what cover benefits to request, what policies are available and what risks you’re exposed to.

6. Do you check every year to make sure your cover is adequate and update it if things have changed?

It’s our job to help you with this, to ask the right questions and make recommendations for you to consider.