Justelle Marketing and Media Ltd

1 The Need

As a micro-business, I found that it was hard to know exactly what cover my business needed.  I have a home-based office but often meet clients at their place of work or in cafes and restaurants.  I have plans for my business to grow over the next 3 years and wanted an insurance broker who would be able to grow with me and make sure that I was always fully covered.  I want to be sure that as I move my business forward and look to employ staff, my insurance coverage wasn't left behind.

Obviously, the cost was also a consideration, and being able to have the right cover at an affordable price was and still is a high priority.  I am an expert in my field, but not in insurance, I needed an expert broker I could trust to be working for my business and not chasing the highest commissions.

2 The Solution

Jo's story is a common one amongst new and small businesses, trying to balance cost and cover can be hard.  With access to over 300 insurers, I was able to find Jo the right flexible cover, that could grow with her business, and save her money.  It might not seem a lot but a monthly saving of £11 soon adds up.

As with all my clients, I have a quarterly review and catch-up with Jo and by doing this I can make sure any new ventures, staff or plans are covered by her policy.  I was also able to proactively change the details and cover on Jo's premium when she left her office and decided to work from her home.  It is because of our regular communications that I could do this for her with no break in cover and proactively manage her policy.

3 The Result

I have a fully flexible policy that can be amended when I need it to be.  I have saved money on my premiums every year since moving my policy to Holloway Insurance Services and also have a greater level of cover to protect my business than I did with my previous broker.  Without having to sift through policies myself, or continually explain my business to new brokers or insurers, I have time to plan the growth of my business without any worries.

As a fellow 'expert' in my own field, I fully endorse asking the expert - ask Dean!