Services

Cover for the things that would hurt to lose

Every service below is handled by the same team, so one agent knows your house, your cars and your business and can see where a gap in one affects another.

Personal and business lines

Six kinds of cover we write every day

Homeowners

Dwelling, contents and liability matched to rebuild costs in your postcode, with water backup and ordinance cover quoted separately so you can see what each costs.

Renters

Contents and liability from the price of a streaming subscription, with a clear note on whether your landlord's policy covers anything of yours.

Personal auto

Liability, collision and comprehensive with accident forgiveness and glass options compared across seven carriers in a single table.

Small business

General liability, property and workers' compensation bundled for shops, studios and trades, with a certificate of insurance sent within an hour.

Term life

Ten- to thirty-year terms with a plain explanation of medical underwriting, so there are no surprises when the exam nurse arrives.

Umbrella

One to five million dollars of extra liability sitting over your home and auto policies, priced after we confirm your underlying limits.

What happens when you claim

  1. 01

    Call or text us first

    Tell us what happened and send photos. We open the claim with your carrier while you are still on the line.

  2. 02

    We brief the adjuster

    Your agent sends the adjuster the policy details and flags anything that usually causes delay, such as a missing receipt.

  3. 03

    We track the file

    Updates arrive by text at every stage, and an agent calls the adjuster if nothing has moved in three working days.

  4. 04

    We check the settlement

    Before you accept, your agent compares the payment against the policy wording so that nothing owed is left out.

Service questions

Do you write commercial vehicles?

Yes, for fleets of up to twenty-five vehicles. Larger fleets go through a specialist broker we work with, and we will introduce you personally.

Can you insure a home business?

Often through an endorsement on your homeowners policy. If your stock or visitors exceed what an endorsement allows, we will quote a proper business policy.

Are certificates of insurance free?

Always. We issue certificates for landlords, venues and clients within one working hour of the request.

Not sure what you are missing?

Bring in every policy you have and an agent will lay them on one table, highlighting overlaps and gaps in marker pen.