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    Carefully Considered Cover
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    On call Professional Advice
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    To the point business insurance
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    Business Insurance Especially Selected

Our Ethos

What does a typical client want? Cheaper insurance we hear to catchy tunes from the television advertisements. The insurance providers are excellent at headlining premium reductions, to then confirm the lack of cover in the small print.

We make recommendations to our clients based on:

  • Premiums quoted by competing insurers
    • Compared against the specification of our clients requirements
    • Focus on catastrophe cover
  • Wordings
    • What is hidden in the small print?
    • Can you comply with the warranties within the policy wording?
  • Solvency and experience
    • What is the insurer Standard and Poor rating?
    • How long have the company been writing the covers provided?
    • What is their track record for claims payments?

We are often aghast as to the insurers being recommended by other brokers:

  • Cheap premiums
    • Warranties and conditions that cannot be complied with
    • Low liability limits and minimal European solvency requirements
  • Broker badged insurance policies
    • Who is the insurer and who is the broker?
    • Are they both benefiting from claims being declined?

We are subscribers to the beliefs of John Ruskin who over 100 years ago stated:

“It is unwise to pay too much. But it is worse to pay too little. When you pay too much you lose a little money — that is all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing the thing it was bought to do. The common law of business balance prohibits paying a little and getting a lot — it cannot be done. If you deal with the lowest bidder, it is well to add something for the risk you run; and if you do that, you will have enough to pay for something better”

Need our Help?

Castlemead Insurance Brokers choose the right policy to suit you and your business

Make a Claim

Castlemead Insurance Brokers will make the claims process as simple as possible