Business Insurance for SME & Start-Ups

TAILORED APPROACH

The insurance industry, in modern times, utilises far greater automation with many faceless operators, offering high volume, non-advised sales to SME clients. Many organisations, particularly smaller businesses, have very specific needs and the one size solution may not deliver in its entirety when called upon. We believe that all clients’ insurance exposures should be identified and clearly explained. The insurance solution proposed should fit the clients’ needs and be reviewed regularly to maintain adequacy over time.

FULL REVIEW

Whether you are a new or established organisation, an initial assessment of all exposures facing the business will be carried out. The review is useful to identify any areas where cover can be re-structured for efficiencies. This will also allow for any possible improvements or deficiencies in any current arrangements to be identified. Once discussed and agreed, an insurance solution will be designed and marketed to our network of insurers on your behalf. Our fully costed and recommended insurance solution will be fully explained to you with the opportunity for any questions or changes. There is no cost or obligation for the review.

CLAIMS

We provide a comprehensive and swift claims service to all of our clients. Our team are always on hand to provide support and advice when you most need it.

RISK MANAGEMENT

Basic risk management is provided in conjunction with insurers to pinpoint your key business risks and help you contain them. We are also able to offer fee based Health & Safety & HR support in conjunction with our chosen partners. We also now offer all clients FREE access to the HiViz Safety online Health & Safety & Employment Law tool.

BUSINESS INSURANCE

Whether a Retailer, Manufacturer, Distributor, Motor Trader, Fleet Operator, Motor Trader, Property Owner or other Organisation, bespoke coverage can be arranged at competitive premiums. Such cover may include; Property, Business Interruption, Money, Goods in Transit or Marine Cargo, Employers, Public & Products liability, Computer, Engineering, Financial lines such as Professional Indemnity, Directors & Officers liability, Crime & Cyber Liability.

''Kidd Insurance Services indeed lives up to its values of protecting businesses and treating each customer as an individual. Ian is very proactive and takes ownership to ensure his customers have the right product that suits their business needs and supports them throughout the journey. We cannot thank Ian enough for making sure our company is fully protected. Ian is such a pleasant person that we now consider him a friend as opposed to an insurance broker.'' Sharon D’souza, Director, Sharon Services (UK) Ltd

PROFESSIONS

Whether one of the traditional professions or whether Scientific, Information Technology or Hardware & Software Services, bespoke cover can be arranged at competitive premiums for such exposures as Property, Computer, Legal Liabilities, Professional Indemnity including North American contracts, Directors & Officers Liability, Crime & Cyber Liability.

"I would like to formally thank you for all of the help and guidance in reviewing our company insurance policies. The advice we received regarding our Professional Indemnity, Public & Employers Liability was first class. Thankfully you took the time to dissect, review and advise me in a manner I understood and also saved me money by suggesting alternative and more relevant policies for our requirements. Overall, the service I received from you in dealing with these policies has proved invaluable to me. I would not hesitate in recommending your services and will happily refer you to others." Vikki Westwood, Director, Wellwood Communications Ltd

CONSTRUCTION

We have vast experience of arranging construction covers that would fully comply with JCT conditions and we only offer markets that would be approved by main contractors. In addition to any property and business interruption covers, we can provide cover for employers liability, public and products liability, contract works, contractors plant, hired in plant, temporary buildings, employees tools and effects, design and build professional indemnity.

"We would highly recommend Ian to any start-up business like ours. From our initial meeting and close consultation, Ian has been very amenable and has delivered us a fantastic all-inclusive insurance package covering our Public & Employers Liability, Hired in Plant and Fleet Insurance. Ian has a detailed knowledge of the construction industry insurance market, specifically in our case the demolition/asbestos removal market and has provided us with a tailored solution that fits directly to our Year 1 business plan. We would be delighted to provide any reference to any prospective client." James Warren, Director, Kinetic Demolition Ltd

CHARITIES

We have vast experience of arranging covers, including residential and outreach services, such covers include; property (including residents effects), loss of revenue, fidelity, employers liability (including volunteers), public liability (including abuse), management liability (including trustee indemnity), medical malpractice, professional indemnity where, for example, there may be counselling or educational programmes developed or where there is any exposure with media.

“We contacted Kidd Insurance when we needed to increase our Insurance cover. And although there are not many Insurance companies that provide the policy we required the actual cover, and ensuring we had the correct cover was complex. Ian spent time ensuring we understood and had the correct levels of cover in place – taking the time to understand our business requirements.” Karen Gillie, Office Manager, Foster Care Connect