Commercial insurance advice

We don't sell insurance we advise you what to buy -
and what NOT to buy

In today's economic circumstances the (un)availability and cost of capital is a prime consideration for every board. Transferring risk away from the balance sheet is an economic necessity for all prudent businesses.

Emergency capital requirements are rarely available to a business in distress, at short notice.

The delay in obtaining funds to repair, recover and re-plan from unexpected business interruption can bring even a large business to its knees in no time at all; a smaller or SME business can rarely rebound unaided.

Whilst insurance is the acknowledged protection against such unforeseeable disasters, buyers find insurance is  a complex, confusing and vexing commodity.

Typically, buying decisions are made on price alone because the buyer lacks the knowledge of how else to measure its value.

This overlooks the tricks and traps of insurance policies that only come to light when you make a claim

FPL will look after you - buying from brokers and insurers on your behalf, with expertise.

The effective and reliable purchase of insurance requires professional skills and experience. We separate the advice from the transaction. Our long established method has recently been recommended by the Mactavish/PWC report on insurance and protects not only the business but also its directors.

We are insurance advocates but we do not sell insurance.

We act solely for you, our client, and have no conflicts of interest with insurers or broker intermediaries.

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