Need Reliable Insurance Coverage?

Look no further than Clutterbuck Insurance Brokers! Specialising in customised solutions for small to medium businesses, homeowners, and individuals, we take pride in meeting the unique needs of our clients.

Clutterbuck Insurance Brokers provides clients with personalised service, access to a wide range of policies from over 60 local and foreign underwriters, and expertise in risk management and insurance policies. We work directly with clients to find the best coverage at competitive prices and provide tailored recommendations and advice.

Why Choose Us?

1.

Personalised Service

Clutterbuck Insurance Brokers values ethical practices with honesty and integrity – We always have the client's best interest in mind. Working directly with you, our clients, to find policies that best fit their unique needs and provide tailored recommendations and advice.

2.

Access to a Wide Range of Policies

With access to over 60 local underwriters and facilities, and can even engage foreign underwriters for hard-to-place risks. Clients can compare options and find the best coverage at the most competitive price with our help navigating the confusing world of insurance policies and terminology.

3.

Expertise and Industry Knowledge

We have a deep understanding of the insurance industry and the policies available. We provide clients with invaluable guidance on risk management and other strategies to help them protect their assets and minimise their exposure to potential losses.

4.

Claims handling service

Our goal is to help clients get what they deserve when filing a claim. We're familiar with the details and obligations of your insurance company, and we'll support you and your business throughout the process. Our job is to make sure you're getting the coverage you paid for.

Our Popular Services

Liability Insurance

Clutterbuck Insurance Brokers offer a variety of liability insurance options, including:

  • Public Liability Insurance

  • Professional Indemnity Insurance

  • Management Liability Insurance

  • Cyber Liability Insurance

  • Employment Practices Liability Insurance

  • Directors and Officers Liability Insurance

  • Associations Liability Insurance.

These coverage options help individuals and businesses protect themselves from potential financial losses due to legal claims. Clutterbuck Insurance Brokers can assist in assessing liability insurance needs and finding appropriate coverage options.

Business Insurance

We’ve got you covered with our Business Insurance options, including:

  • Business Package Insurance

  • Commercial Motor Insurance

  • Corporate Travel Insurance

  • Commercial Property Owner Insurance

  • Business Interruption Insurance.

These options can protect businesses against theft, accidents, liability claims, property damage, and lost income and expenses due to temporary closures. Contact them to learn more and secure your business's safety.

Automotive & Transport Industry Insurance

We provide a range of insurance policies for the automotive and transport industry, including:

  • Motor Fleet Insurance

  • Goods in Transit Insurance

  • Motor Trades Insurance 

  • Customers Vehicles Insurance.

Providing businesses with the necessary protection. Our experienced brokers work with clients to find the right policy to meet their specific needs.

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About Clutterbuck Insurance Brokers

Specialising in small to medium-sized businesses (SMEs), Clutterbuck Insurance Brokers is a reliable insurance broker with years of experience in commercial insurance. Prioritising personal relationships with clients to establish trust and advocate for clients' best interests. Accessing over 60 underwriters, they ensure the best coverage at the best price and operate with integrity and ethical practice.

Latest News

Stay informed and up-to-date on the latest news and insights in the insurance industry, be sure to check out our blog. Designed to provide you with informative, engaging, and thought-provoking content that will help you stay ahead of the curve.

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Frequently Asked Questions

We’ve provided answers to some of the most commonly asked questions about insurance brokers and the services we offer. From helping you choose the right insurance coverage to saving you money on your premiums, we are here to help.

  • An insurance broker serves as a liaison between individuals and companies seeking insurance policies. Their main duty is to assist them in obtaining the most suitable insurance policies to cater to their specific requirements. Insurance brokers deal with a diverse range of insurance products, from home and car insurance to complex business insurance policies.

    Another important role of an insurance broker is to help their clients navigate the claims process. If you need to file a claim on your insurance policy, your broker can help you understand what you need to do and guide you through the process. At Clutterbuck Insurance Brokers, we believe that a good insurance broker doesn’t just stop there, we can also provide advice on other risk mitigation techniques like avoidance or risk reduction.

  • Clutterbuck Insurance Brokers offer a valuable service that can save you both time and money. By using an insurance broker, you gain access to underwriters that are not available to the public and can negotiate lower premiums on your behalf. Additionally, you will have a professional on your side in the event of a claim, who understands the nuances of a policy wording and your rights as a client. With an insurance broker, you can rest assured that you have the best possible coverage at the best possible price.

  • When it comes to determining the type of coverage you need, there are a variety of factors to consider. For example, do you own a home? Are you a business owner? Do you have a family to protect? These are just a few of the many questions we will ask to help us understand your unique situation and create a tailored insurance plan that fits your needs and budget.

    Our goal is to provide you with peace of mind and protect the things that matter most to you. So whether you need home, auto, business, or other insurance cover, we've got you covered. Contact us today to schedule a consultation with one of our friendly and knowledgeable brokers.

  • At Clutterbuck Insurance Brokers, we understand that determining the appropriate amount of insurance coverage can be a daunting task. It's important to consider your individual needs and circumstances when making this decision. Our team work with you to analyse your risks and assets to determine the right coverage for your specific situation. We believe that it's better to be safe than sorry, so we always recommend purchasing enough coverage to protect yourself and your assets in the event of an unforeseen circumstance. Remember, insurance is not a one-size-fits-all solution, so it's important to work with a knowledgeable broker to determine the right amount of coverage for you.

  • Filing a claim can be a stressful experience. However, we want to assure you that we are here to help you every step of the way. When you file a claim, we will assign a dedicated claims specialist to your case who will work with you to understand the details of your situation and guide you through the process.

    Our goal is to provide you with the support and expertise you need to ensure your claim is processed accurately and efficiently. We will work for you, and with the insurance company to negotiate the best possible settlement for you based on your policy coverage and the specific circumstances of your claim.

    So if you ever need to file a claim, don't hesitate to contact us. We are always here to help you navigate the process and get you the support and outcome you need to get back on your feet.

  • At Clutterbuck Insurance Brokers, we understand that life is full of unexpected events. If you've had a previous claim, it doesn't necessarily mean that you won't be able to get insurance. However, it may affect the cost of your premiums or the type of coverage available to you. It is important to inform your insurance broker of any previous claims as we have a duty to disclose this information to any potential insurers. We believe that everyone deserves access to quality insurance coverage, regardless of their past claims history. So don't hesitate to reach out to us and let us help you protect what matters most.

  • We can certainly help you try and save money on your insurance premiums! We know that insurance can be a significant expense, and we strive to offer policies that are both affordable and comprehensive. We will work with you to assess your insurance needs and find ways to reduce your premiums without sacrificing the coverage you require.

    At Clutterbuck Insurance Brokers, we believe that insurance should be accessible to everyone, and we are committed to providing our clients with the best possible value. So whether you are looking for home, auto, or business insurance, we are here to help you find the policy that meets your needs and budget.

  • An "Occurrence" insurance policy covers claims that arise from incidents that occurred during the policy period, regardless of when the claim is made. For example, if you had an "Occurrence" policy in 2020 and a claim is made in 2022 for an incident that occurred in the 2020 period of insurance, the claim would trigger the policy active in 2020.

    Public Liability policies are generally written on an “occurrence” basis, it is important to organise this insurance before you start work to avoid trading uninsured. If a claim was to arise from work that was completed 4 years ago, the insurer who held the policy at the time of the event is responsible for the claim as it “occurred” during their active policy.

    On the other hand, a "Claims Made" insurance policy covers claims that are made during the policy period, regardless of when the incident occurred. So, using the same example as before, if you had a "Claims Made" policy in 2022 and a claim is made in 2022 for an incident that occurred in 2020, you would be covered under the 2022 policy as a claim brought forward in that period of insurance is generally covered even if the work was completed years ago..

    It's important to note that "Claims Made" policies often come with a "retroactive date," which is the earliest date from which incidents can be covered. This means that if you are looking to arrange a Claims Made policy, you will need to consider one with a retroactive date going back to when you started offering your services. If the retroactive date is only from the inception of the policy then the above example is void, and only services given after that date will be covered.

    Most professional indemnity insurance policies are written on a claims made basis. It is important to consult your insurance broker regarding this cover to make sure past advice or services will not come back to cause you a headache should the policy not be arranged correctly. It might seem easier and cheaper to arrange this cover online yourself but without informed decision making it can be extremely costly for your business.

Contact Us Today

We understand that finding the right coverage can be overwhelming. That’s why Clutterbuck Insurance Brokers offers customised insurance solutions with free, no-obligation quotes and personalised recommendations to make the process easy and stress free.

We work with a wide range of insurance providers to offer a variety of options to choose from. Get the peace of mind you deserve with Clutterbuck Insurance Brokers. Contact us today for any questions and guidance throughout the process.

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