Business Insurance Cover Review

Independent business insurance cover review

Leaving no stone unturned in ensuring your business is protected 24/7, 365

Remove business insurance risks

Discreet business insurance gap analysis

Mitigate potential insurance risks

100+ years of corporate business insurance experience

Insurance is something that too few businesses take really seriously – they either don’t have the right policies to cover all the risks that could potentially befall them, or they think they do but have taken out a policy, filed it away and forgotten about it, forgetting to check the fine print or review it regularly to ensure it gives them all the protection they need.


Directors often treat insurance cover as a necessary evil and a box-ticking exercise, and might not think they’ll ever really need it, or are cynical about whether insurers will really do the right thing by them when the chips are down.

Business insurance; a necessary evil?

happy business insurance clients

We have enough industry experience to know why having the right insurance really does count, and have seen first-hand how having the safety net of good cover can save a business when it really matters.


We also know how important it is to source the right policies, with the advice of a trusted partner who knows what good looks like, who will painstakingly identify every risk, and can ensure the small print is as good as the policy headlines before you sign on the dotted line.


That’s why all our new client relationships start with a discreet, thorough business and insurance cover review. We act as your critical friend, identifying what protection you need and sourcing the right policies from providers we know will look after you.


We can also recommend steps you can take to mitigate potential risk, from carrying our health and safety or fire risk assessments to drawing up new policies for employees and clients. If we identify such needs, we can recommend companies to help you with the detail from our list of trusted associates.





Your critical insurance friend

Client sectors

Whatever your sector, we can source all types of corporate insurance cover to suit your needs. Our clients include:

Construction

Farmers

Manufacturers

Hauliers

Professionals

Large corporates

SMEs

Wholesalers

"Our team of experts have experience in all aspects of corporate and commercial insurance, leave no stone unturned in ensuring you are covered for every conceivable risk your business could face. Because we are one of the few truly independent firms in the UK, we can scour the whole of market to find the best policies that represent the most perfect fit for your business."

Remove your insurance risks

Cover we provide

We offer end-to-end cover for every business, in every sector, including:

Liability


Property


Business interruption cover


High net worth personal cover for company directors


Flood, fire and natural disaster protection


Specialist agricultural policies


Stock


Vehicle fleet


Goods in transit


Professional indemnity and contract insurance



Plant cover


Personal injury policies


Employee benefits insurance


Key person cover


Credit insurance when suppliers don't pay


And more...




The DR&P Complete Cover Protection

01

Call our expert team on 01904 221920 or email info@drpyork.co.uk or 01423 803200 or email Info.harrogate@drpinsurance.com to discuss your organisation’s specific insurance needs.



02

We will arrange to visit you and conduct a discreet and thorough review of your business needs and current cover, producing a bespoke proposal that will highlight any current gaps and what you need to protect you against all eventualities in the future.

03

If you like what you see, all you need to do is sign our terms of business and we will take care of everything else for you – from exiting any current arrangements you have to setting up the new policies you need.

General Business Insurance Questions


Hi there! Have some questions about our company? Find the answers below. 

  • Which parts of the UK do you cover?

    We support organisations large and small in a range of different sectors across the whole of the UK and beyond. Because we have the backing of the broader DR&P Group, we can arrange insurance cover abroad as well if required. We are also very happy to work with international companies that have bases outside the UK.

  • What do you mean by ‘independent’?

    Our business is owned and run independently by co-directors Jason Lauchlan and Mark Elvin, and we have access to every insurance product available on the market, using these to build bespoke packages tailored to the unique needs of every business.


    At the same time, we benefit from the financial backing of DR&P Group. This means our clients can rest assured that we are financially strong enough to look after their needs in the long term, as well as giving us the ability to access additional, specialist advice where needed and offer products and services further afield.


    With no ties or responsibilities to individual insurance companies, we guarantee to recommend only those policies and providers that are genuinely right for you. And because we have so much experience dealing with companies across different industries, we can apply that wealth of knowledge to your situation, too.

  • How experienced are the DR&P York and Harrogate team?

    Our co-directors Jason Lauchlan and Mark Elvin have half a  century of experience in the insurance industry and a combined team of over a century. They have worked for some of the biggest insurance firms in the world and have dealt with every conceivable complexity involving business cover during that time.


    They are supported by a highly trained team of account executives and account and claim handlers who each reflect the DR&P York, ethos of keeping our clients front and centre and going out of their way to look after their every need.


    At the same time, because we have the backing of  DR&P Group we have the ability to call on any additional, specialist advice needed, including covering business operations and assets worldwide for businesses that operate globally.

  • Can you save us money?

    In the majority of cases, our reviews do result in cost savings for our clients.


    However, that’s not our main focus. Because we know that having the wrong or inadequate insurance cover can be the thing which can break any business if the unanticipated happens, our priority is making sure that you have the right, most comprehensive package available.


    Scrimping on insurance protection is a false economy and a dangerous move for any business. We have worked in the industry long enough to understand what can and does go wrong, and the many thousands or even millions of pounds it can cost to put that right.

  • Why should I move to you?

    When we carry out independent reviews of companies’ operations and insurance cover we usually discover things that are inadequately covered, risks they are unaware of and policies that are not fit for purpose. Many businesses don’t read past the main policy schedule to understand the exclusions and endorsements that would significantly reduce the benefits of their cover if something were to happen, for example. By plugging those gaps, we give business owners complete peace of mind, so that they can sleep at night knowing their company and its employees are protected no matter what.


    Once companies decide to join us, we make the process of insuring with or moving to us as seamless as possible – all we require is an authorising signature and we can take care of the rest.


    And once you’ve joined us, we don’t leave you hanging. You will be allocated a dedicated team who will remain on hand to look after you, answer any questions, update your policies to reflect any changes taking place within your business and, once a year, review your cover to make sure it continues to meet your needs.


    The time when insurance matters most is when the unforeseen happens and you need to call on your cover. For this, we have our own, UK-based, in-house claims-handling team. If something goes wrong, just call us, explain the situation and we will take it from there, liaising with insurers on your behalf.

  • What happens if I need to make a claim?

    If something goes wrong, all you have to do is call us, explain the situation and our UK-based, in-house claims-handling team – who operate 24/7 – will take it from there, liaising with insurers on your behalf. We will stop at nothing to make sure your needs are met, efficiently and quickly, minimising any interruption or loss to your business and taking as much of the stress away from you as we possibly can.

  • How difficult is it to move my insurance to you?

    It’s not difficult at all – once you are happy with our proposed plan, simply provide us with an authorising signature and we will do the rest. Typically, we can have everything in place almost immediately.

  • How long does the process of insuring with you take?

    Not long at all. Once you are happy with our proposed plan, all you need to do is sign our paperwork and we will take care of everything else, setting up all your required cover as quickly and seamlessly as we can. Typically, we can have everything in place within almost immediately.

  • Do I really need all the cover you offer?

    We offer a range of insurances businesses typically need, from business continuity to fire, theft and flood, and cyber risk cover. Some insurances such as employers' liability, motor insurance, and inspection are compulsory. We always conduct a detailed business review before recommending a package of cover options and will never put forward anything we don’t genuinely believe you need, based on our decades of experience of the things that can and do go wrong.

  • Do I really need to pay for insurance at all, or would I be better off keeping the money in my business bank account to cover anything that happens?

    Sadly, insurance is one of those purchases in life where the value is best understood by people who’ve been unfortunate enough to have to claim.


    The reality is that, every year, we handle claims running into tens of thousands, or even millions of pounds. Could you really cover that sort of sum by setting aside a bit of money? If the answer is no, then there really is no alternative to making sure you are adequately insured.


    And it’s not just about covering your premises, operations and assets so that you can sleep at night – making sure your people are protected in the event of an accident or other issue is the right thing to do as a reputable employer.


    Also, our insurance audits usually result in us offering wider advice about any wider business risks that could be improved to mitigate the amount of risk you are carrying. We can also recommend people to help you sort such things out, from our network of trusted associates.

"The downside to not having the right business insurance in place is that you could risk throwing away all your hard work and creativity."

It doesn't have to be this way.

Remove your insurance risks
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