Local Dartford Businesses
A local business with a personal touch
Here to Serve the Local Community
We have a fantastic team of people, most of whom have been with us for at least 10 years. They have a vast amount of broking experience together with a good understanding of the local business community. Many of our customers recognise the value this brings, stay with us for many years and have been happy to recommend us to others. Why not take a few moments to read some of our customer testimonials?
We’ll give you a single point of contact to manage your insurance needs. That person will be responsible for co-ordinating your covers, queries or claims. They will take the time to get to know you and your business to make sure that the insurance they we recommend is right for you.
We recognise that insurance is an expensive purchase for a business whose value is often never realised without a loss. We think it’s important that you make conscious buying decisions and make best use of what you are able to budget for. This means ensuring you understand what you are buying and as importantly what you decide not to buy.
The Right Cover at the Right Price
We are independent and have strong relationships with all the insurers we work with. Our negotiating power can usually get you a better price for your insurance than if you tried to buy it direct from them.
We don’t charge for our advice or the quotes we provide. We earn our money from the insurers we place business with.
What We Cover
We can help businesses of all shapes and sizes with their insurance needs. Our expertise covers (but is not limited to):
- Business premises and other commercial property
- Business interruption, loss of revenue and supply chain risks
- Employers liability
- Public liability
- Directors and officers liability
- Motor fleet
- Goods in transit
- Intellectual property
- Cyber crime
- Professional indemnity
Read our SME Guide to Insurance for an overview of the different types of insurance that may be relevant to your business and how we, as an insurance broker, can help.
We have our own in-house claims team. This sets us apart from most other brokers, who will usually hand you over to deal directly with the insurer if you have a claim. We believe it is at this stressful time you need us most. We’ll navigate you through the process, deal with the insurer on your behalf and generally do what we can to make it hassle-free.
“Every business needs to have the correct insurance cover on all aspects of their business, this is time consuming and can soon become a headache.
Since working with Anthony Jones the headaches have gone and it’s the good honest support from them that has ensured they have kept our business for over 15 years now.”
Harwoods of London Ltd
Some of our most asked questions, answered below:
I am a start-up business, what insurance do I need?
There is a balance between adequate and appropriate protection of the business whilst keeping initial costs to a minimum. Evaluate your business risks and the need for insurance under these 4 headings:
- Assets (both physical and intellectual);
- Revenue streams;
- Liabilities to Third Parties (including contractual obligations);
- People (your staff including their importance to the business).
Usually, a package type policy covering your physical property, annual revenues, Employer’s liability and Public/Product’s liability is required. The only insurances required by law are Employer’s Liability, Motor Liability (if you have cars/vans etc) and Engineering Inspection of lifting and pressure plant if you have them.
What is business insurance?
Business insurance is a type of insurance that provides cover for businesses against financial losses due to unexpected disruption to business such as property damage, liability claims, a cybercrime issue, an issue with a director's duties, a professional indemnity or a motor accident – amongst others!
Do I need business insurance?
If you own a business, it is highly recommended that you have business insurance to protect your assets. The only insurances required by law are Employer’s Liability, Motor Liability (if you have cars/vans etc) and Engineering Inspection of lifting and pressure plant if you have them. Increasingly, suppliers or customers will ask for evidence of insurance.
How much does business insurance cost?
The cost of business insurance varies depending on the type of cover you need, the size of your business, and the level of risk associated with your industry. Insurance brokers help with this presentation to insurers in seeking the most appropriate market and price.
How much Professional Indemnity insurance do I need?
If you work in one of the professions for whom Professional Indemnity insurance is a legal requirement, the amount of cover you need may be mandated by your regulatory body. You should check on their website to find out.
Your clients may also specify within their contract the amount of PI cover they require you to have in place to protect the work you do for them.
If the amount of cover you need is not pre-determined, you can work it out by thinking about the size of projects you work on and your potential exposure to risk. We can help you calculate what this might be. Our recommendation would be to buy as much cover as you can afford.
Do I need Professional Indemnity insurance?
If your business provides advice, professional services or creates designs, it makes sense to have Professional Indemnity insurance to protect you in case anything goes wrong.
For some professions it’s a legal requirement to have Professional Indemnity insurance in place. Professions for whom it is mandatory include:
- Solicitors and barristers
- Financial advisers
- Some healthcare professionals, such as doctors, vets, dentists and surgeons
- Chartered surveyors
What is Professional Indemnity insurance?
PI insurance protects your business if a client claims the advice, service or designs you provided were faulty in some way. It will cover the cost of any claim for compensation.
What is Directors & Officers insurance?
Also called D&O insurance, this covers the cost of any compensation claims your business needs to pay if a director or key manager is alleged to have done something wrong during the course of their work. This might include negligence, breach of trust, making a mistake or failing to do a task.
Do the Government tax premiums?
Yes, they do. The current rate is 12% and is a charge collected by insurers on behalf of the Government. This tax has nothing to do with insurance brokers or insurers.
How do you earn your money?
Insurance brokers earn money in the form of commissions when business is placed with insurers. You have every right to ask a broker what commission they are earning from insurers. An alternative to commission is to quote premiums “net” and brokers agree a fee with customers for services.
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