Commercial Insurance Solutions
for UK Businesses
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The claims operation that underpins every Chartis insurance policy is one of our greatest strengths.
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Industry Insights
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- Risks facing Directors & Officers
- Rerprint from Financier Worldwide Magazine
- Continued economic turbulence, a sharpened focus on fraud and a raft of new regulations increase the market risk for directors and officers. Greater accountability and responsibility is a fact of corporate life. To avoid the adverse consequences of litigation and personal liability, compliance programs and risk mitigation strategies must be examined and enforced with renewed vigour, along with other strategies that directors and officers can employ to manage threats and protect themselves. Read more >
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- A guide to Directors' & Officers' Liability in Europe
- Reprint from Strategic Risk Magazine
- Directors experienced three shockwaves from the 2008 global financial crisis: the immediate consequences, the knock-on effects and the new environment that emerged. Read more >
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- D&O Special Report
- Reprinted from Strategic Risk Magazine
- D&O Liability Insurance is very much a buyers’ market. Over the past seven years, European companies have benefited from increasingly advantageous prices and terms as a result of continuing high insurance capacity.
Yet it is unrealistic to assume that the market will be able to sustain the double whammy of reduced premiums and high business acquisition costs indefi nitely. While the credit crunch and economic recession may not have produced the volume of claims expected, other factors are emerging that will increase losses. Read more >
Our clients face a broad range of insurance risks. They need help to reduce those risks, to protect themselves from the risk that remains and to make things right if an incident occurs. In the UK we meet our clients’ needs in three ways.
Our culture derives from our entrepreneurial roots and pioneering spirit. It is this spirit that drives us to help our clients create success; answering their insurance needs today while anticipating tomorrow's. |
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Strategic, diagnostic and training-based services to prevent a loss
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To help keep our customers safe and accident free we provide a range of services to reduce their likelihood of having a claim. Some are high level and strategic, like an annual corporate governance seminar for our directors and officers liability clients, providing expert input on the latest emerging threats and guidance in preparing defence strategies.
Others are diagnostic. Driver Profiler for motor fleets managers helps them analyse each driver’s performance and reduce accidents, vehicle downtime and costs. Or a worldwide supply chain audit for products liability customers that profiles their supplier’s strengths and weaknesses, tracking their performance and spotting potential problems in advance.
Training tools include an online health and safety system with employers’ liability insurance. This allows businesses to target and deliver essential training to many staff across diverse locations; saving time and cost while improving workplace safety and regulatory compliance.
Freely available services like these within many of our products that help our customers reduce the chances of suffering a loss or mitigate the subsequent costs mean that our policies offer genuine value for money.
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One of the widest, most innovative product ranges available
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Underwriting expertise and an appetite for challenging risks means Chartis has created a product range of immense scale. We cover risks from space exploration down to subterranean energy investigation, with a whole world of business types, occupations and activities in between. From corporate and management liability to group personal accident, we have one of the widest ranges of solutions available to the risks facing businesses.
The risks our customers face don’t stand still, so neither do our products.
So within weeks of new EU environmental regulations coming into force we had revised and strengthened our environmental insurance, so that clients could understand exactly how the new legislation might affect them and the protection we provide.
We did the same for our directors and officers insurance when the first Corporate Manslaughter case was announced. This is typical of Chartis. We are constantly improving our cover to optimise our customers’ protection.
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Claims expertise to minimise damage to our customers
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At the heart of our products and services lie the moments of truth when our customers experience a loss. We understand claims. From minor motor claims to corporate catastrophes, our expert claims handlers are there to guide our customers and brokers. Our clients expect the process to run smoothly with no surprises, so we keep them closely updated and make payments quickly and without fuss.
But helping our clients recover may take more than just a cheque. Containing the loss may be vital, which is why our award winning rehabilitation services make sure injured employees get the right medical treatment and support to help them back into the workplace when they are ready. We’ve seen this save careers, minimise workplace disruption and build better employee relations. Similarly, after a crisis our reputation protection services can limit damaging consequential losses to our customers’ businesses.
Often speed of response is critical. 90% of group travel baggage claimants get a settlement decision within 15 minutes. And we get companies who have lost the use of their offices up and running again in local, equipped alternative sites within around 24 hours.
Whatever their circumstances and priorities, our customers have entrusted their risks and their losses to our care. So, as they face their own particular storms, our claims teams are there with skill and many years’ experience to help them through.
It’s a responsibility we shoulder proudly, because the claims operation that underpins every Chartis insurance policy is one of our greatest strengths.
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