The first choice you need to make is whether you will engage an insurance broker or go direct to the insurer. As an insurance broker, EBM has a duty of care to represent your interests at all times, whereas when you deal with the insurer direct they have no duty of care in regard to representing your interests.

When we act as your broker, EBM will examine a wide range of policies and products available from a vast selection of insurance providers worldwide to determine which may be right for your needs; if none are, we will formulate a suitable policy and negotiate its placement with an insurer on your behalf. When you deal direct with the insurer, they will select which of their products most nearly meets your needs, which may leave you exposed to losses.

In circumstances where we act as an agent for the insurer we will inform you prior to undertaking the contract. 

As your business grows or your life changes, the types and levels of insurance policies that you need will change too. Having an ongoing relationship with EBM means that you can keep us informed of any changes that may affect your insurance and we can adjust your policies accordingly, formulating new cover where necessary.

We recommend against automatically renewing any policies that are due for expiry, as a review can be as simple as asking yourself whether the circumstances have changed.

Your EBM account manager is always available to discuss your situation and review your existing policies to ensure that you are comprehensively covered at all times.

EBM Insurance brokers have developed a number of specialised policies designed to provide solutions to a range of common insurance needs. Ready-made insurance products that we can provide which will meet the needs of most people include: