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These are the areas where we know we can out perform our competitors. We know this because our clients are demanding. They are clients who like you
Our mission, our strongest desire, is to constantly exceed these expectations. But what can Trafalgar do to help you? Personalised professional advice Our market position allows us to provide independent professional advice, which is directed to your specific business. Our recommendations are not simply generic, industry oriented, but take into account all of the information, which we can learn about your business, your market niche and your management style. Product range Not only do we have at our disposal the entire range of available insurance products, we are able to adapt existing products or fashion new products suited to your specific needs. Influence The insurance markets know us as independent, professional risk advisors. They encourage our independence by providing highly competitive terms and assistance when those difficult claims need to be settled. Risk management Our task is to minimise the overall cost of risk to our clients. Cost of risk is not simply the size of annual insurance premiums, but includes the administrative cost of losses, the consequences to your ongoing business and the effect they have on your company morale. Our review of your business operations is intended to identify those areas of exposure that can be effectively addressed at an acceptable cost. Programme management Your corporate goals are directed at maximising shareholder value and rarely include the operation of an internal insurance administration department. This is our speciality. We can act as your insurance department, establishing a well managed programme, providing management reports and releasing your staff energies to your corporate goals. Price While our objective is to minimise the overall cost of risk to our clients through risk management advice, a very important part of this “cost of risk” is the cost of insurance premiums. We are experts in insurance. We are well versed in current trends in the international insurance markets and know the market niche of major insurers. We know the premium levels insurers should expect for any risk and have the market clout and the negotiating skills to obtain the best terms for your insurance programme. Claims In spite of the very best risk management programmes, claims will and do occur. When the worst does happen, our primary task is to bring about fair and timely settlement of your loss. We ensure that your claims are properly presented and fully documented so that delays do not occur. The insurance markets we use are chosen in part because of their positive attitude toward payment of claims. And, when problems do occur, we do not run away. We will negotiate with underwriters and their representatives on your behalf and will make recommendations on how difficult issues can be best resolved. Our fees While we act on your behalf as our client, tradition dictates that the insurers with whom we place cover pay for our services. Accordingly, our services are available free of charge to our clients. Indeed, we would be very surprised if we were unable to show substantial savings to any new client whose risk management and insurance programme we were asked to review. Nevertheless, we do take a very pragmatic and flexible approach to remuneration and are prepared to discuss alternative fee structures in specific cases. But perhaps the best way to describe our service ethics is by way of illustration.
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