The National and larger Independent Brokers are at an advantage by having their own in-house risk management teams consisting of health and safety professionals and surveyors.

The provision of property and health and safety risk management services is often used as a sales tool to win new business and to also secure renewals when under competition.

Clients will often differentiate between brokers and insurers when there is an added value proposition available.

Your clients may already employ a health and safety consultant to assist them comply with their legal obligations.

However, is the documentation up to a standard to defend claims or prosecutions?

The Nationals and larger Independents utilise their risk management teams to provide marketing surveys for their presentations which secure better terms for their clients.

When presented with a quality survey underwriters are able to put forward their most competitive terms safe in the knowledge the risk is well managed.