Services
Dedicated to Client Service
At Ae, we are dedicated to client service and this is the core of our professional practice as advisors and insurance brokers. Our clients tell us that is a distinctive quality. They choose to work with Ae because we understand that no two companies are the same and they have confidence in the knowledge that their needs are understood.
Our personal service continues when we appoint a dedicated team to work alongside you. Teamwork is a core value; when you work with one of us, you get us all.
Your requirements are kept under review to ensure that you are benefiting from our knowledge and experience.
Disasters not only affect your community, they can affect your business as well. You may believe you’re prepared if disaster strikes, but effective planning will assist you through those events. We can help you establish a continuity and crisis plan.
Claims
Claims support is a critical part of our services to you.
We pride ourselves on making a positive difference to the outcome of any claim you may need to make.
All claims are handled by our experienced in house team.
A claim can be complex and provide a strain for any business so our approach is simple.
- We work with you to understand your needs.
- We ensure that you receive the maximum benefit available under your policy.
- You are kept informed at each stage of the claims process.
Statistical information will be provided on a quarterly basis. We will assist you to identify if there are emerging trends and recommend a solution which may help you prevent similar incidents in the future.
Manufacture & Industry
What Manufacture & Industry offers:
Manufacturing companies require unique solutions because they are exposed to an increasingly wide range of risks.
Protection of your revenue and legal liabilities are paramount however these emerging risks can also devastate any business.
- Advanced Profits
- Environmental Liabilities
- Cyber Risks
- Data Loss
- Crime Protection
- Product Recall and Financial Loss
- Aquaculture including international fish farms and overseas
It is important that you are covered by an insurance programme.
Contractors
We have significant experience in placing business for all contractors from Public Liability through to a full suite of insurance protections to include:
Contractors All Risk to cover the works undertaken
Contractors Own Plant & Equipment
Hired In Plant
Professional Indemnity
Management Liability
Environmental Liability
We will provide the knowledge to advise on the best solutions for your business.
Property
We specialise in providing solutions for commercial property owners operating locally and internationally. The insurance program is tailored to meet your specific needs with a focus on policy cover and claims service.
Commercial property insurance differs from a standard residential let property insurance policy due to the constructions type and types of tenant. Our approach considers the uses of the building and adjust a cover that will match the risk your tenants may pose to you.
Property Owners Liability can be misunderstood and underestimated in terms of its impact to landlords particularly following the changes in the Ogden Discount rate and corresponding increase in Personal Injury Awards which may arise from the negligence of a landlord.
It is important to note that is ultimately your responsibility to oversee that your property is correctly maintained.
Charity
We understand that non-profit organisations need insurance suited to their specific circumstances. Unlike ordinary businesses, it is likely that you have both employees and volunteers who work for you. It may also be that you hold regular events, fundraising activities and provide services for people in need. As such, your charity insurance package should appropriate cover even if you are a purely voluntary organisation, your insurance should cover the health and wellbeing of the people working for, and supporting, your cause.
Charity trustees and officers are vulnerable to personal liabilities due to the legal relationships with third parties, such as funders, staff or suppliers and all legal relationships carry the risk of legal liability. The extent to which the trustees are personally liable in these circumstances will depend on the legal form of the charity. There are a limited number of specific circumstances where a trustee could be found criminally liable
Professional & Technology
What Professional & Technology offers:
You will benefit from our knowledge and experience because we understand your expectations in terms of coverage, documentation and pricing options.
In the ever-changing world of technology, your products and services can move from an initial concept to your customer in a short period of time.
Therefore innovative and reliable insurance solutions are vital and you will have the benefit of working alongside a risk advisor and Broker who understands your business.
We can support you with a variety of solutions arising out of the following risks:
- Cyber Risks & Data Loss
- Contractual Liabilities
- Environmental Liabilities
- Executive Liability
- Crime Protection
- Professional Indemnity
Marine & Transport
What Marine & Transport offers:
The maritime and transportation industry demands specialist knowledge and we have extensive experience designing solutions for nearly every type of marine client and the challenges they may face.
Consider us a partner and extension of your staff in day-to-day operations. You may require an individual solution in response to a contractual requirement.
- Hull – operational risks for all types including commercial and leisure.
- Warehousing and Logistics – including traditional cargo coverages to stock throughput programmes.
- Protection and Indemnity – for operators and owners of vessels.
- Liability – we support a variety of clients including charterers
- Aquaculture – including international fish farms and overseas property
We are able to provide you with advice on the technical aspects of contractual conditions including RHA, CMR and BIFA.
Motor Fleet
We understand the need for any business operating vehicles to keep their assets and employees protected. We have the experience and market access to ensure that protection and provide the correct solution for your motor insurance.