Risk Management

Risk and Claims Management
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At One Broker we want to help you reduce the disruption caused to you by a claim occurring. As part of our service, we will use our experience to help minimise your risk, decrease your insurance premiums and reduce the number of incidents that happen within your company.

Your responsibilities under the 'Health and Safety at Work Act' to manage risk and provide a safe system of work are complex and increasing. Additionally, directors and decision makers within companies can be held personally liable for their wrong doings or innocent oversights.

Standards of security, alarm suitability, trade activities and a range of other factors are key to the arrangement and management of insurance.

More increasingly insurers are raising the bar in terms of minimum security, compliance and business practice, setting their acceptability criteria at high levels.

Our extensive experience supports you and provides professional advice as an integral part of our service. We are then able to help you maximise the financial support and resources provided by the insurance market- the best working practices attract the lowest premiums because they represent the lowest risk.

In order to minimise your risk we would discuss:

  • Risk retention levels (e.g. excess, franchise)
  • Fire risk assessments
  • General health and safety risk assessments and policies
  • Disaster recovery planning
  • Premises and site security (e.g. physical security, alarms)
  • Vehicle and fleet management
  • Electrical safety (Portable Appliance Testing, mains wiring)
  • Plant safety (e.g. PUWER, LOLER, PSSR)
  • Energy compliance regulations

Through a combination of our own in-house expertise, the services of trusted professionals and insurer resources, we are able to provide a complete solution for all your risk management needs. Rest assured, you are in safe hands with One Broker.

Claims management solutions

We believe this is one of the most important reasons why you entrust your Insurance Broker with your business - it's what you pay your premiums for! We ensure all our Claims Technicians are working towards a Cert CII qualification and they are overseen by a Claims Team Manager and a Technical Claims Manager who has an ACII qualification.

Key Features of using our Claims Expertise:

  • Motor Fleet and Haulage – We have been handling Motor Fleet and Haulage claims since 1992 and consider ourselves specialists in this area. We are also able to provide risk management advice and detailed information on driver training programmes if you require.
  • Home Insurance – We have the authority to settle our Protector Plus scheme claims ourselves up to the value of £2,500. As this considerably speeds up the claims process it means that you will receive your payment cheque much sooner.
  • Online Claims Reporting – This is one of our key differentiators as a broker and is widely used by our clients. The system enables our clients to report, view and track their Motor and Goods in Transit claims online. For more information about what we have to offer please visit our Online Claims page.
  • Customer Feedback – We are always keen to hear from our clients and actively request feedback after a claim has been settled. If you ask us to do something differently, we will listen to you and then do our utmost to accommodate any changes to the way we handle claims. If you would like to offer us some feedback please complete our Customer Service Survey.
  • Third Party Claims – We have fully embraced the importance of ensuring incidents are reported to your insurer as quickly as possible so that your insurer can contact any third parties and minimise the outlay for any vehicle hire costs, property damage and personal injury claims. This is known as FNOL (First Notification of Loss) capture. The end result of this process is hopefully lower claims and premium at your next renewal.
  • Multi Location Reporting – Having harnessed IT development we can provide bespoke claims reports at the press of a button extracting any information that you want to investigate within your business. We can spot accident trends, causation, frequency, problem drivers and produce and email reports as and when you need them.
  • Pro-activity – Our claims team liaise closely with our broking team in designing a risk management plan, all aimed at reducing risk within your business leading to better Health & Safety and an improved claims record.

Meet the Claims Team

People
Further Information
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Our advisors since 1998, they have a complete understanding of our industry and never fail to meet our requirements - the standard and service is unrivale

- Claret Civil Engineering Ltd -
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What a pleasure it is working with you guys. Everything we experience with One Broker from claims to additions and removals and the renewals is a seamless process and from my point of view effortless. A huge thank you from all here at Swift

- Swift Taxis -
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KTIB are a key supplier of risk management services to us. They play a significant role in developing systems to monitor, analyse and manage our transit claims procedures and data

- Palletforce Ltd -