Assistance to Financial Planners

Insurance from Rowlands & Hames.

Assistance to Financial Planners

Many IFAs and Mortgage Consultants become trusted friends and business consultants to their clients.

Rowlands & Hames recognise this opportunity and invite Financial Planners and Mortgage Consultant to become an introducer of general insurance business, generating additional income for yourselves.

Many clients for example will own property investments that will be insured. This is a good example of where we are well placed to provide alternative quotations, with you as the introducer benefiting from a considerable portion of our own earnings.

This annually renewable introducer’s fee can often build-up to a sizeable additional income stream for Financial planners and Mortgage Advisers.

Why not contact us to discuss our arrangements?

Please be assured that we ‘ring-fence’ any introduced clients and will only work via the introducer, any subsequent general business also being attached to the introducer. Further, our own Financial planning division has no access and introduced clients will not be approached.

Example insurances:

  • Property Owners/Investors
  • Shops, Restaurants, Cafes, Hotels, Pubs etc
  • Manufacturing, Industry
  • Distribution, Professional
  • Care Homes
  • Professional Indemnity
  • Fleets
  • Property & Liabilities
  • Credit Insurance

Examples of where we have been able to assist:

  • An Independent Financial Adviser has referred several property owning clients to Rowlands & Hames and now benefits from a regular commission income.
  • A Mortgage Broker has benefited from commission income derived from cover that Rowlands & Hames arranged for his corporate clients.
  • A successful growing internet/software provider was the subject of a referral from an I.F.A. and the introducer has worked with Rowlands & Hames in providing all aspects of cover for the client. The IFA provides protection cover whilst Rowlands & Hames dealt solely with the general insurance requirements of the client.

Insurance Services for Property Managers & Estate Agents

Block arrangements for Property Managers and their clients bring efficiencies, cost savings and greater certainty to the insurance arrangements.

We undertake to:

  • Make the Property manager’s life easier through excellent service, providing fast manual or electronic documentation.
  • Provide management information
  • Reduce risk by the provision of risk management advice and services
  • Cost and income benefits to you.

The significant benefits for Managing Agent are:

  • Increases the breadth of service you can offer to existing and attract potential new clients
  • Tailored documentation for each landlord client and each individual tenant, significantly reducing your administration time and costs
  • Immediate cover may be arranged by phone, fax or email.
  • Comprehensive policy wording accommodating both Commercial and Residential properties under the one block policy
  • Tailored cover for unoccupied risks (particularly important at the moment)
  • Bespoke claims handling arrangements to speed-up the claims process.
  • Your policy will protect your clients from ‘Privity of Contract’ claims from former tenants
  • Incorporates ‘Property Managers’ Indemnity i.e. subrogation rights are not enforced against you and the policy will protect you against recovery actions where you are legally liable.
  • Access to discounted insurance valuation serviices, asbestos surveys, EPCs, wiring inspections, fire risk assessments etc..
  • Risk Management advice, visits and newsletters
  • Premiums returned promptly when tenants vacate or a property is sold

We are also in a position to provide cover for the Managing Agents themselves:

  • Office Insurance including liabilities
  • Contingent Liabilities should the Managing Agent appoint tradesman etc to work on clients’ premises
  • Professional Indemnity
  • Directors’ & Officers’ Liability
  • Legal Expenses
  • Company fleets and individual vehicles

We also offer a complete service to Managing Agents – contact us for more information.

Insurance Services for Solicitors’ Clients

Our teams are ready to assist Solicitors with:

  • Commercial Property
  • Residential Property
  • Company, Commercial & Dispute
  • Commercial Employment & Employee Benefits
  • Family, Domestic & Personal Assets

Commercial Property

Commercial Property

Single or portfolio risks arranged quickly including…
– Privity of Contract extension
– Failure of Tenants’ Buildings Insurance extension
– Automatic property acquisition extension

Unoccupied Commercial property

Wide cover, arranged without delay

Environmental Liability for Vendors/Purchasers or Developers

Increasingly required for all but the simplest of development sites

Latent (Structural) Defect 10/12 year transferable property guarantees for Developers

Don’t rely on Architects Certificates – increases future saleability and the banks’ appetite to lend

Residential Property

Residential Landlords – single or portfolio

Property, Revenue and Liability

Household Buildings

Often required for imminent transactions

Unoccupied Residential property

Short or long-term unoccupancy

Company, Commercial & Dispute

Directors’ & Officers’ Liability (D&O)

Ensure directors and senior managers of client firms are protected against allegations of ‘wrongful acts’ from the likes of government bodies and quangos, competitors, employees, creditors, fellow-shareholders, environment agency, etc.

Corporate Liability

Extend standard D&O to provide Entity protection for ‘wrongful acts’

Legal Expenses

Property Protection, Bodily Injury, Loss of Licence, Statutory Licence and Tax Investigation covers

Key-Person Protection

Protect the business against the illness/death of a major principal/employee

Shareholder Protection

Allow shareholders to purchase the equity stakes of fellow shareholders in the event of death

Trade Invoice Credit protection

Protect the balance sheet against debtors

Kidnap & Ransom

Protects client firms and employees operating in the more dangerous parts of the world

Marine insurance

Protect international trade shipments

Performance Bonds

Often chosen as an alternative to large cash deposits

Commercial/Corporate general insurance

We can, of course, arrange the full range of commercial and corporate programmes

Commercial Employment & Employee Benefits

Employment Practice Liability

Defence costs and compensation awards for employment disputes and tribunals – more importantly allows you, their own solicitor, to act in their defence on behalf of client firms

Group Health, Permanent Health/Income Protection and Life Assurance

Provision of employment benefits

Family, Domestic & Personal Assets

Mid & High Net Worth Household Insurance including Legal Expenses

Catering for the larger houses, their contents and the valuables and personal possessions of your clients

Yachts and Marine Vessels

For those clients with leisure craft here or abroad

Life Assurance & Life Assurance in Trust

Life Assurance in all its forms – Term Assurance, Inheritance Tax 2nd Death, Mortgage Protection

Critical Illness

Many fatal diseases are now survivable but financial assistance at such a time often helps relieve the pressure

Health Insurance

For when reliance on the NHS may not be the best option for certain clients

Property insurance (including unoccupied) during probate

Arranged quickly without fuss

For Solicitors’ Own Protection

Professional Indemnity

Protect your business with comprehensive but competitive professional indemnity insurance to defend any professional negligence claims, catering for all your professional activities. Professional Indemnity insurance premiums continue to fall. Are you benefiting?

Office Buildings / Contents, Revenue & Liabilities:

Insurance for your office(s) buildings and/or contents, revenue protection, money, employers’ liability, public liability and products liability. Premiums have reduced significantly over the last few years – why not ask for a quote?

Business Cars / Fleet:

Ensure competitive coverage for your motor vehicles. Multi-vehicle policies for personally owned vehicles may also be catered for.

Directors’ & Officers’ Liability:

Protection against legal action for company directors and senior employees of limited companies and limited liability partnerships.

Commercial Legal Expenses / Employment Practice:

Cover for legal expenses as a result of employment disputes, bodily injury, property protection and tax investigations etc.

Quotations

To discuss your requirements and obtain a quotation, please contact:

Gary B Baxter Dip CII

Corporate Account Manager
Direct Dial: 01253 598957
Mobile: 07904 546274
Email: gary@rowlands-hames.co.uk

Assistance for Other Professionals & Their Clients

Rowlands & Hames are proud to offer our services to other professions and their clients.

We have particular arrangements in place for the likes of Solicitors, Accountants, Property Managers, Architects and Surveyors for example.

We can assist such firms in arranging cover for not only the firms themselves but also their clients, which we find is often required at very short notice.

Solicitors, for example, often need urgent help where buildings insurance is required under probate or in order to arrange a mortgage or purchase a buildings insurance is needed quickly.

Accountants are often asked for help with their clients insurance costs – we can undertake a due-diligence exercise with a view to improving coverage whilst reducing the financial costs.

Speak to one of our Corporate Account Managers to discuss your requirements.

Insurance Services for Accountants’ Clients

Our teams are ready to assist Accountants and their Clients with:

  • Review of current insurance arrangements
  • Savings in premium
  • Commercial Property
  • Residential Property
  • Company, Commercial & Dispute
  • Commercial Employment & Employee Benefits
  • Family, Domestic & Personal Assets

Company, Commercial & Dispute

Directors’ & Officers’ Liability (D&O)

Ensure directors and senior managers are protected against allegations of ‘wrongful acts’ from the likes of government bodies and quangos, competitors, employees, creditors, shareholders, environment agency, etc.

Corporate Liabilityv

Extend standard D&O to provide Entity protection for ‘wrongful acts’, e.g. Corporate Manslaughter

Trade Invoice Credit Protection

Protect the balance sheet against debtors’ insolvency

Legal Expenses

Employment Disputes, Property Protection, Bodily Injury, Loss of Licence, Statutory Licence and Tax Investigation covers

Key-Person Protection

Protect the business against the illness/death of a major principal/employee

Shareholder Protection

Allow shareholders to purchase the equity stakes of fellow shareholders in the event of death or critical illness

Kidnap & Ransom

Protects client firms and employees operating in the more dangerous parts of the world

Marine Insurance

Protect international trade shipments

Performance Bonds / Advance Payment Bonds etc.

Often chosen as an alternative to large cash deposits

Commercial / Corporate general insurance / Motor Fleet / Property / Liability

We can, of course, arrange the full range of commercial and corporate programmes

Commercial Employment & Employee Benefits

Employment Practice Liability

Defence costs and compensation awards for employment disputes and tribunals – more importantly allows their own solicitor to act in their defence on behalf of client firms

Group Health / Life Assurance, Income Protection and Pensions

Provision of employment benefits

Commercial Property

Commercial Property

Single or portfolio risks arranged quickly including…
– Privity of Contract extension
– Failure of Tenants’ Buildings Insurance extension
– Automatic property acquisition extension

Unoccupied Commercial Property

Wide cover, arranged without delay

Environmental Liability for Vendors/Purchasers or Developers

Increasingly required for all but the simplest of development sites

Latent (Structural) Defect 10/12 year transferable property guarantees for Developers/Owners

Don’t rely on Architects Certificates – increases future saleability and the banks’ appetite to lend.

Residential Property

Residential Landlords – single or portfolio

Property, Revenue and Liability

Household Buildings

Often required for imminent transactions

Unoccupied Residential Property

Short or long-term unoccupancy

<h2Family, Domestic & Personal Assets

Mid & High Net Worth Household Insurance including Legal Expenses

Catering for the larger houses, their contents and the valuables and personal possessions of your clients

Yachts and Marine Vessels

For those clients with leisure craft here or abroad

Life Assurance & Life Assurance in Trust

Life Assurance in all its forms – Term Assurance, Inheritance Tax Provision, Mortgage Protection

Critical Illness

Many fatal diseases are now survivable but financial assistance at such a time often helps relieve the pressure

Health Insurance

For when reliance on the NHS may not be the best option for certain clients

Property Insurance (including unoccupied) during probate

Arranged quickly without fuss

For Accountants’ Own Protection

Professional Indemnity

Protect your business with comprehensive but competitive professional indemnity insurance to defend any professional negligence claims, catering for all your professional activities. Professional Indemnity insurance premiums continue to fall. Are you benefiting?

Office Buildings / Contents, Revenue & Liabilities:

Insurance for your office(s) buildings and/or contents, revenue protection, money, employers’ liability, public liability and products liability. Premiums have reduced significantly over the last few years – why not ask for a quote?

Business Cars / Fleet:

Ensure competitive coverage for your motor vehicles. Multi-vehicle policies for personally owned vehicles may also be catered for.

Directors’ & Officers’ Liability:

Protection against legal action for company directors and senior employees of limited companies and limited liability partnerships.

Commercial Legal Expenses / Employment Practice:

Cover for legal expenses as a result of employment disputes, bodily injury, property protection and tax investigations etc.

To discuss your requirements please contact:

Tony Swallow

Telephone: 01253 598954
Email: tony@rowlands-hames.co.uk