FAQs - Business Insurance

Is it a hassle to get an alternative quotation?

Simply, no. In fact, only by carrying out a comprehensive review of your insurance needs with highly qualified, experienced professionals can you be sure that not only are your premiums competitive, but your cover is on the right basis. Investing a small amount of time now could not only reduce your premiums but ensure that your businesses are able to survive in the event of suffering a loss.

Will you get me the cheapest quote?

Any premiums we negotiate will be balanced against a number of criteria, from your own attitude to risk retention, the level of cover afforded and the claims service of each insurer and their financial security. Our significant market presence ensures we are able to negotiate the most favourable terms to match your cover or contractual requirements.

Why is choosing an independent broker important?

Only by working with an entirely independent insurance broker like Thomas Carroll can you be sure of getting truly independent advice. With a change in ownership of many brokers, including some even owned in whole or in part by insurance companies, some brokers' strategies do not offer a view of the entire insurance market.

As a Chartered Broker, what makes Thomas, Carroll different?

Chartered status is the industry's gold standard and is currently met by only a select number of brokers. This title is only awarded to firms with a commitment to developing and maintaining the knowledge and capability of their people. It also signifies adherence to a demanding code of ethical practice. Chartered status brings with it serious obligations and we are required to ensure that the advice, service and ongoing advice we give to you is of the highest quality, is based solely on your researched needs and is provided by someone operating within their level of competency

My contact at my broker keeps changing. Can you offer continuity of relationship?

Yes. As Sunday Times Top 100 Employers for over 5 consecutive years, we pride ourselves in offering an enjoyable, challenging workplace and with many of our colleagues enjoying over 10 years service, our clients benefit from building mutually beneficial, long term relationships with their insurance broking and claims team.

Is there any benefit to arranging our Insurance and Health & Safety support with the same broker?

Yes. As the only broker with an OHSAS 18001 accredited Health, Safety & Employment Law Consultancy, Thomas, Carroll are able to provide package solutions to manage and reduce your Health & Safety exposures that will assist in reducing your insurance premiums. In fact, due to the quality of support and service we offer, many insurers are even prepared to subsidise the cost of our training and consultancy to help make our clients more attractive insurance risks for the long term.