Bell & Co Service Charter

Bell & Co Service Charter

As your professional insurance advisor, we take our duties very seriously and expect to give only the highest levels of independent professional advice in all our business dealings with you.

Our staff are trained and properly equipped to act with complete integrity and to provide the right service to our clients. We aim to created long standing business relationships with our clients through the provision of the following services:

• At the commencement of every new engagement and at renewal thereafter we will describe within our user friendly Terms of Business what we do, its value and how we are remunerated for it.
• We will then provide advice and recommendations to you on your insurance arrangements.
• We will negotiate with the insurance market on your behalf with the aim of obtaining competitive premiums for insurance covers that meet your requirements.
• To do this we need your input to help us understand;
  The industry in which you operate and your business processes. Your priority, strategies and goals.
• We will display a detailed knowledge of available insurers and products suitable for your business.
• We will arrange your chosen insurance policies with selected insurance companies.
• In certain instances we will prepare all documents on behalf of the insurers, within our office. This is a practise they term 'work transfer'.
• We will check all policy documentation to ensure that it has been issued correctly.
• We will provide a written summary of your insurance policies for your convenience.
• We will advise and assist you in making claims against your policies. This includes negotiating with insurers and loss adjusters and ensuring the claim is processed as quickly and efficiently as possible.
• We will provide advice during the year to ensure that your insurance policies reflect any changes to your business that you advise us of and will deal with consequent insurer negotiations, paperwork and administration.
• Where necessary we will accompany insurance company surveyors and loss adjusters upon visits to your premises to ensure that these are handled in your best interests.
• We will help you to review your insurance requirements at each renewal, negotiate renewal terms with your insurance companies, ensure that your premiums remain competitive and the cover appropriate and where necessary obtain alternative quotations before providing a full report and recommendations on the renewal of your policies.