About Us
Welcome to Kidd Insurance Services
Kidd Insurance Services is headed by Ian Kidd. With over 30 years’ experience in the insurance industry, Ian is qualified to Associateship level with the Chartered Insurance Institute and holds Chartered status. Ian’s experience is broad-based, across all industry types within the SME sector.
Our vision is to provide a hands on, high quality service that never compromises on quality. All clients, irrespective of size, will receive a personal and professional service on an on-going basis with the aim of achieving long term, trusted and valued relationships.
SPECIALIST AREAS
Construction, Manufacturing, Professional Services, IT, Distribution, Retail, Charity, Motor Fleet, Motor Trade and Start-up businesses.
What We Do
Kidd Insurance Services is fully independent with access to an extensive network of insurers, including Lloyds and London markets.
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.
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
PARTNERSHIPS
Our relationship with Momentum Broker Solutions provides invaluable access to insurer markets and broking capability, enabling us to contend on a national level. We have access to more than 200 insurer markets, including local, London and Lloyds. Between Kidd Insurance and Momentum, we have over 30 staff focused on supporting our clients.
LATEST NEWS
Reopening as Lockdown Measures Ease
Being COVID-secure means being adaptable to the current guidance and having measures in place to manage the risk of coronavirus. Key points for businesses to consider:
April is Stress Awareness Month
The rate of work-related stress depression and anxiety has increased in recent years, find out six key factors to consider when looking to manage stress in the workplace.
Rebuild Cost Assessment
Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten commercial properties in the UK are covered correctly. Read our article for some guidance on this issue.
FCA Policy Checker
Clients with business interruption (BI) insurance can now refer to a policy checker provided by the Financial Conduct Authority (FCA).
How to Avoid Underinsurance
Suitable insurance forms a vital part of business continuity planning – but how can you be sure that you are buying the right amount of cover? Here we share some top tips from ‘How to avoid underinsurance – A guide for small and medium-sized businesses’ produced by the British Insurance Brokers’ Association.
FCA Test Case Supreme Court Judgment
On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects.
Unoccupied Property Market Response – Lockdown 3.0
It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines.
Prepare your business for Brexit – Jan 2021
A post-Brexit trade deal could be sealed as talks between the UK government and European Union continue this week. Before the weekend, both parties said that ‘no-deal’ was the most likely outcome. Whether or not a deal is agreed, you should ensure that your business is prepared for operating under new rules. Please review the[…]