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Insurance Knight Blog

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As the director of the Insurance Knight Consultancy, I take pride in the fact that we are able to support small businesses, local enterprises and property owners with our in-depth industry knowledge and friendly service.

 

I get huge satisfaction from really being able to understand my customers and finding them insurance policies which are tailored specifically to their needs, and hopefully saving them some money in the process! Of course, I appreciate that not everybody has an in-depth knowledge of the various different insurance policies we provide, and what each entails (public liability insurance; products liability insurance' employers liability insurance; legal expenses cover; directors and officers insurance; professional indemnity insurance and property insurance) so that's where my experience and expertise comes in.

 

Here are some case studies, which provide examples of real  customers and give an insight into the work that we do at the Insurance Knight Consultancy:

 

Home Insurance


An Edinburgh client came to me on a recommendation as their existing insurer has increased their premium 100% following a claim. I sourced a policy with AXA, halving the increase.

 

Let Property Insurance


A Client had moved into her elderly mother's home to care for her and wanted to let out her own Edinburgh flat while it was empty. I advised that she would have to change from standard Home Insurance to a Let property policy. We found a premium with Abacus (a specialist Let property wholesale broker) at about £150 including Contents, Loss of Rent and Legal Expenses cover.

 

Insurance for a Charity


A Fife charity had expanded its scope of work and employed new staff to work as home-helpers. We found a policy with Markel, which includes Public & Employers Liability as well as Professional Indemnity and Trustee Indemnity at below £400.

 

Mixed Commercial & Residential Property Owners Insurance


An existing client asked me to quote for the insurance of his property: an office block in Surbiton, with three residential flats located above. I sourced a policy with RSA which beat the existing insurer's renewal and also lowered the excess.

 

 

Public Liability Insurance


A new Edinburgh business asked me to quote for their commercial insurance to provide cover for their work befriending elderly people and helping with their shopping. I found a policy with Zenith at less than £100.

 

Insurance for Tearooms


An existing client was starting another business, a tearoom in Congleton. I sourced a Retailers' package with Allianz at less than £500.

 

Professional Indemnity & Public Liability insurance


I was approached via a recommendation to source business insurance for a client who was starting work as an independent contractor with a bank in Edinburgh within their Complaints Department. We placed the policy with Beazley at less than £400.

 

Home Contents insurance


The son of an existing client was moving into a Glasgow flat as a first-time buyer. I sourced Home Contents insurance with Zurich at less than £300.

 

Public & Products Liability insurance


A company based in Whitby approached me via my website looking for advice regarding their unique business– hiring out large light-up letters for weddings and parties. I was able to find them a Public and Products liability insurance policy to suit their business.

 

Conclusion:

 

As an independent insurance consultant, I have access to a wide range of insurers and wholesale brokers, meaning I can find the right insurance policy to suit your needs. Being independent gives me the flexibility to scour the market to find the best deals out there, and I can provide expert and impartial advice, answering any questions you may have. I always tell my customers that ensuring you have the correct level of cover is key when it comes to all types of business and property insurance: should you ever have to make a claim then it can soon become costly if you don't have adequate insurance in place. A lot of our clients come to us for repeat business, and recommend us to friends, family, and colleagues, because they appreciate the 1-to-1 personal service we provide.

 

With over 25 years in the business, I have the knowledge and experience to guide you through the insurance process and can provide tailored policies to suit your needs. Please get in touch today.

 

- Chris Knight 

Posted in: Opinions