We welcome face to face meetings at our premises or yours and will provide direct dial numbers and direct email addresses so that you can contact the same member of staff every time. Our staff are all friendly and approachable and you will not find any hint of a call centre here.
We pride ourselves on our professionalism and will always look to exceed your expectations. We are dependable and accountable.
Above everything else, we recognise that when arranging insurance for you, it’s not just a paper document that we’re selling you, but something far more important, peace of mind.
We are proud of our team and each member has their own areas of expertise which, between them, cover all areas of domestic and commercial insurance. For this reason, if you have multiple policies with us, you may speak to different members of the team, so we can be sure that you are getting the right advice.
Based just outside north west London our insurance specialists have extensive personal knowledge of the insurance issues in the local areas. There are several different areas, each with their own insurance challenges. Our knowledge often helps clients with their insurance needs, identifying the risks and sourcing the right competitive insurance for those needs.
We have provided a glossary of the main insurance terms. If your term or query is not described below, then please do contact us.
An insurance broker is an intermediary who searches the insurance market for specific insurance policies with the intention of identifying the best policy for the customer’s requirements at the most competitive premium available. They often have authority from insurance companies to issue the policy and also have access to products not available directly to the client.
Business Interruption Insurance
Compensates firms for loss of gross profit / revenue and/or additional expenses that are incurred when their business is adversely affected by an external event such as a fire, flood or theft.
Specialist staff to help clients through the claims process with insurers.
Provides cover for businesses to pursue and/or defend a legal action against a third party.
Overall insurance packages tailored to individual classes of business such as shops, restaurants, pubs, hotels and offices. These policies typically include items such as stock, fixtures and fittings / tenants improvements, contents (including computer and IT equipment) money, goods in transit, business interruption, Public & Products Liability and Employers’ Liability.
Policies to cover tradesmen working in the contracting or building industries (ranging from one man bands to large construction firms).
Used by businesses to ensure they get paid when they extend credit terms to customers.
Required by law for any firm, business or company employing another person, be it in a full- time, part-time or temporary capacity.
This is often referred to as ‘Excess Layer Insurance’. It typically provides top-up cover for businesses requiring high levels of Public Liability, Products Liability or Employers’ Liability insurance cover and is often requested as a contractual requirement.
Group Business Travel Insurance
Covers employees travelling on business trips involving at least a one night stay. Commonly arranged as annual policies, but single trip policies are available.
Provides a combined private health policy for company employees or organisation members resulting in a better overall premium.
An insurance package for home owners designed to provide immediate help following an emergency in the home (often sold as an add-on or extension to a buildings and/or home contents policy).
An Insurance Broker not tied to a specific insurance company (or companies) and therefore in a position to research the entire market for the most competitive / appropriate deals available.
Covers the importing, exporting, shipping and transit of products and goods across the world.
Policies to provide private medical treatment for a wide range of issues at a time and place of the client’s choosing. They can include regular health checks and telephone helplines.
Tailored policies for individual and businesses operating within the motor trade. ‘Motor Trade Combined’ policies will commonly incorporate both premises and road risks sections, although both are also available on a stand-alone basis.
When you buy any form of commercial or domestic insurance all you initially receive in exchange for your ‘hard earned’ is a piece of paper. That paper is available from a large variety of providers but, when you purchase it from us, you’re actually buying peace of mind.
We’ve been helping our clients through the insurance maze for nearly 30 years, ensuring that they have the right insurance at the right price and that, in the event of needing to make a claim, their expectations are met – giving them that all important peace of mind.
With access to all the key insurance providers and their policies, many of which are not available online or to all other insurance brokers, we will find the right solution for you.
We have been with Fairweather for many, many years. I value the personal professional service we get from them. They manage all our insurances including Public Liability, Professional Indemnity and Motor Fleet as well as my own personal requirements. I have enough to worry about as a busy business owner, and knowing that all our insurances are taken care of is very important. With a fleet of over 20 vehicles on the road we have the odd claim. The task of sorting a claim is quickly taken off our…
