Working with you

Given the current economic climate, it's more important than ever for businesses to know that their insurance is correctly arranged, to ensure that all insurable losses are met in order to eliminate any drain on profits.

We work closely with you and your team to develop the right solutions for your business. Unlike other brokers, we apply a creative and forward thinking approach to reducing the premium you pay, which really gets results!

We use our negotiating skills to great effect whether to get an insurer to provide cover for 'difficult' risks, increase discounting for good risk-management or offer an improved claim settlement.

Making a claim

If you ever need to make a claim, you can rely on Pharos to provide the professional advice and support you need.

Our experienced claim specialists will work closely in partnership with you to progress your claim quickly and efficiently. They will explain the processes involved and the actions required and liaise with insurers and loss adjusters on your behalf, with the aim of achieving an efficient, fair settlement with the minimum of inconvenience to you and your business.

Managing risk

We also provide practical solutions to risk control. Some risks are obvious, but others may be embedded deep in an organisation's operations, so it is vital that you have a robust and effective risk management programme in place in order to:

• Reduce interruption and costly financial losses
• Reduce accidents at work
• Improve employment relations
• Provide greater peace of mind
• Ensure contractual and legal compliance
• Improve your company's position with lenders and insurers
• Demonstrate a pro-active attitude to corporate responsibility

Our team can assist you by recommending resources such as specialist legal expenses insurers, risk management divisions of insurance companies, and professional third party providers, who will help construct a programme that is right for your business, by evaluating:

• Risk analysis
• Health and Safety
• Legislation compliance
• Training
• Business continuity planning
• Competent persons
• Powerful software based solutions
• Monitoring, auditing, reporting

If you have any queries or questions about Pharos, we are always happy to help. For a competitive quote, call:

Commercial insurance 01304 209000

Motor and home insurance 01304 215522

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