Instinct Insurance & Risk Management Services

An independent, professional Insurance Brokerage based in Staffordshire focusing on providing businesses with insurance and risk management solutions. We are members of the British Insurance Brokers Association (BIBA). A professional yet personal approach, giving valuable advice to clients and reducing uncertainty around your insurance requirements. Our core is Business/Commercial Insurance and we can help: ♦ Retailers ♦ Tradesman/Contractors ♦ Wholesalers ♦ Manufacturers ♦ Importers/Exporters ♦ Property Owners ♦ Motor Traders ♦ Fleet Operators ♦ Professional Services ♦ Health & Care Providers Our products can include the following covers: ♦ Property/Material Damage ♦ Employers Liability ♦ Public Liability ♦ Products Liability ♦ Property Owners Liability ♦ Business Interruption ♦ Professional Indemnity ♦ Director's & Officer's / Management Liability ♦ Medical Malpractice ♦ Product Recall ♦ Cyber Liability ♦ Contract Works ♦ Motor Fleet including Special Types, HGVs, motorcycles ♦ Own & Hire in Plant including Tools ♦ Goods in Transit / Marine ♦ Personal Accident ♦ Money ♦ Machinery Breakdown ♦ Engineering Inspection ♦ Legal Expenses We also help individuals ranging from standard car/home/travel insurance to higher profile individuals or those who require specialised policies with wider cover/higher limits known as high-net worth or private clients. Our policies can include: ♦ Warranty Free Wordings ♦ All Risks Cover Worldwide ♦ Fine Art & Jewellery Collections ♦ Multiple Properties such as Holiday Homes, Second Homes ♦ Agree Values ♦ Comprehensive "Driving Other Cars" Extensions ♦ Include Yachts/Boats As an independent brokerage, were not governed by certain insurers and have no restrictions forcing us to use particular markets. We have also partnered with several ancillary product providers, who can provide services such as Asset Valuations/Appraisals and Risk Management guidance including HR and Legal advice, guides and letter templates.