Horizon General Insurance Brokers: Our role is to assist you to protect you from legal & compensation costs
From clients following your professional advice or
death or injury due to your negligence

Professional Indemnity/Liability	Protects you from legal action taken against you if someone suffers a loss after following your professional advice or as a result of receiving your service
Public Liability	Covers your business for legal costs and compensation costs that you might have to pay if you are found liable to someone because you caused death or injury, loss or damage to their property, or economic loss due to your negligence

How are premiums Calculated?

Each business is unique.
Premiums will vary depending on the nature of your business,
the risks the business is exposed to, the insurer and the product’s inclusions and exclusions.



What is underwriting?

Underwriting is the way an insurer works out how much to charge
for each risk and under what terms.

Some factors the insurer takes into account
❖ How much they will agree to pay for a loss
❖ Under what circumstances they will make a payment
❖ Type of business
❖ Location
❖ Risk profile for the industry
❖ Claims history

Every insurer has its own set of underwriting guidelines.



Why do I need a broker?

Insurance is a contract and as with all contracts you need someone with expertise to help you understand it.



Which insurer is the best?

The right one for you is the one that:
✔ Offers you the best cover for your type of business and its specific requirements
✔ Cost effective for your specific requirements
✔ Most importantly: pays claims with minimum fuss & in reasonable timeframes

We deal with all insurers and recommend an insurer that is specific to your needs.



Our philosophy is: Never have more cover than is required for your specific circumstances and always have it price competitive.

Contact us for a free no obligation chat about how
we may be able to help YOU.