Client Solutions

Account Management

ECOS

Risk Management

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Fundamentals of Emsons’ Approach :

It is important that you know the person who will be handling any issue related to your policies, whether it is a daily query or a major claim.

Emsons recognise this and accordingly the advisor who quotes for your Commercial Insurance will also be the person who manages your Account on a daily basis.
In addition only staff who are known to you will assist in your account’s administration.

Quotation Stage – Assessing the Real Risks :

It is important at the quotation stage that the risks that face your business are accurately assessed ; only by doing this can you be assured that you are insured on the correct basis.

We always find that understanding how your business actually operates and the risks which it faces is the starting point for devising an insurance program which accurately caters for your needs.

Managing your Portfolio – Structured Administration :

For the administration of your policies your advisor will agree a mutually convenient working method with you.
Therefore in addition to our claims and risk management services, your account may require monthly meetings, or the implementation of automated administration using ECOS (please see next section)
In addition, Emsons’ service to you includes the following :

Comprehensive Information

We feel it is important to provide you with your policy information in as convenient format as possible.
In addition to Insurer’s original policy documentation Emsons also supply our Commercial Clients with a policy register, detailing the principal covers for each of your policies.
Full claims analysis and details are provided at the end of each policy year, and there is also the major service option of ECOS, allowing you access to an unparalleled level of information concerning your Insurance arrangements

Claims Assessment and Management

Irrespective of the size of any loss that you incur Emsons offer a first class preparatory and management service for the conduction of commercial insurance claims.
Small claims should be processed with the minimum of fuss and delay, and excellent relations with the leading Insurance Companies assist us in this regard.
Large claims require careful preparation to determine the exact extent of the loss, particularly where consequential losses are involved.
We have advised on the conduct of many large claims, including two of the largest fires involving commercial property in London of recent years.

Loss Adjusters

Emsons also benefit from close relations with leading Loss Adjusters, including GAB Robins and Crawford THG.
This enables us to ensure a swift response from them in relation to report preparation and dispatch to Insurers - this can make a significant difference in the conduct of large claims.