How do I get a quote?
To get a quotation from us you can complete our quote form and we will review it carefully. We may even need to visit your premises and review everything with you. Upon receipt of all of this information we submit your risk details to all the insurers we use and will have a quotation prepared for you in a very short time.
To get a liability insurance quote, you’ll typically need to provide:
- Business details (name, address, registration info, memebership of associations)
- Nature of work or industry
- Annual turnover and number of employees, wageroll by category
- Claims history (if applicable) and insurance history
- Risk assessments or safety measures undertaken
Providing accurate, detailed information ensures an appropriate policy that suits your business.
What Risk Management Should we have?
Examples of Risk management include having a proper Health & Safety Statement and Risk Assessments for each main area of your business or activity. Specific considerations would be Manual Handling, Personal Protective Clothing, Proper induction training, Machine Guards on equipment, Housekeeping such as Cleaning Protocols & Waste Management, Ongoing Employee Training, First Aid Measures, Suitable Security and Fire Protections. Each business is different and your requirements are different.
Our team can help you think about what is appropriate for your business and direct you to specialist third party advice if necessary.
How will you help me with Claims Management?
We provide a free claims service and you can rely on us to track, report on and keep you abreast of updates with your claims. We will review your claims prior to your renewal date and pro-actively work on them to engage with insurers to reduce reserves. We understand it is very important that you have faith in your insurer and that your voice is heard, as you are "on the ground" running your business we will ensure that your insurer knows your side of the story.
How can I reduce my liability insurance premium?
Here are a few tips to reduce your premium:
- Maintain high safety standards: Demonstrate you have apprporiate health and safety measures in place. For instance, regular equipment checks or employee training can lower premiums.
- Ensure Risk Management is high management priority in your business, including ongoing training.
- Reduce claims history: Fewer claims signal responsible business operations, which can help you negotiate lower rates.
- Use a Broker to Shop around: Compare quotes from different providers to find competitive pricing for the same level of cover.
- Bundle policies: Combine multiple insurance policies (e.g., liability and property insurance) under a single provider for potential discounts.
What does liability insurance NOT cover?
Liability insurance typically doesn’t cover:
- Deliberate acts of negligence or harm, or criminal acts.
- Injuries to employees (you’ll need employer’s liability insurance)
- Damage to your own property or equipment (consider business property insurance for this)
- Professional mistakes or advice (covered under professional indemnity insurance)
What Services do you Offer?
We will review your business end-to-end when you become our client.
Most businesses require Public & Employers Liability first and foremost, and material damage cover for your property and contents. We will review your risk, review the available policy wordings and conduct a full review of your Sums Insured for material damage.
We will work with you to establish your “wants” and your “needs” and put forward an insurance quotation that addresses and balances these two requirements. We will continually review your covers and provide services and advice all throughout the year. When a claim happens we will help you with it from end to end.
Why Choose Brady Insurance?
Customer Service and Access to the best products is at the core of what we do. We are an award-winning broker who has a team of 18 professional insurance brokers. Trading since 1959, we pride ourselves on an impeccable record or customer service and ethical business.