Minerva Concept

Insurance spend these days can account for a substantial amount of your profits. Any methods that you can employ to improve your risk should reduce the insurance premium you pay. Many Insurers fail to differentiate between clients who do pay attention to risk management issues and those who don't.

Electrical fires are the second largest cause of fire in the UK in commercial premises. Added to this, given today's litigious society, liability insurance can be a majority of a commercial client insurance expenditure.

We have agreed a unique facility with an Insurer who will discount 15% from their normal nett rate where a Client uses the Electrical Certs and Themis service.

Electrical Certs is quality accredited and a member of the National Inspection Council for Electrical Installation Contracting (NICEIC). They have nationwide coverage and their work is endorsed by many of the top UK Insurers. It is a legal requirement to have your electrical installation regularly checked anyway and by tying this in with premium discounts you save money on premiums and potentially avert a fire caused by unchecked wiring.

Electrical Certs Ltd

Themis are a professionally qualified team of consultants who will audit your Health & Safety documentation and procedures. They are the only Health & Safety Consultancy who will visit your premises on a regular basis to both conduct safety audits and carry out post accident investigations. These initiatives are designed to prevent claims happening thus leading to lower premiums. If an accident does happen they mitigate the potential that the claim could go for by providing quickly to the Insurer a comprehensive report on available defences.

Caunce O'Hara and Company Limited is a top 100 UK Insurance Broker and has identified that the combination of these two far sighted risk management practices means that you have become a very attractive risk to Insurers. Unfortunately not all Insurers have the rating systems that should recognise this. We have found one though in Brit Insurance Company Plc (an A+ rated Insurer listed on the FTSE with a premium income in excess
of £900m). Brit have agreed a special discount from their premiums for Clients using these companies. Often the reduction in premium alone pays for the cost the services of these two companies!