About Us

Brunel Professional Risks Ltd specialise in the placement of professional Indemnity (PII) and Liability Insurance. These policies are for all types of businesses from very small to public quoted Companies with multi-national activities.

The head office is based in Bristol with an office also in London directly opposite to Lloyds - the centre of the UK’s insurance Industry.

Our commitment is to provide a high quality, professional service to achieve client satisfaction, irrespective of the premium paid, with the aim to develop long-term partnerships.

Brunel’s Team has over 40 years experience in the PII and Liability Insurance Industry and Brunel has and will continue to invest in highly skilled employees, which allows them to give detailed and timely technical advice when requested or needed.

Brunel are specialists in professional indemnity insurance; unlike a general broker who sells PI as part of their portfolio.

Our team have vast knowledge of policy wordings, specific clauses, endorsements and policy extensions. This allows them to offer realistic solutions built around clients needs by widening standard policy coverage and arranging bespoke policy wordings. Something a general broker simply can not undertake with certainty.

Brunel will make sure that you are not paying too much for your insurance by ensuring that we know your business well, allowing us to emphasise your positives to Underwriters. We will assess your needs and requirements and come back to you on any areas which we feel need further clarification. The team of experienced negotiators employed by Brunel have excellent relationships in the market. They use these relationships to ensure your business is placed with a strong insurer often at a below market rate.

Understanding our clients business is key to tailoring the policy and achieving competitive premiums. Many brokers act too quickly without having a clear understanding of the services the client provides. This can have a catastrophic effect, often leaving clients without comprehensive cover. Brunel’s philosophy is to understand your business and negotiate the wording and insurer before the premium has been finalised.

Updates - Brunel provides clients with regular updates, including changes in the legislation and case law. These updates have already proved highly beneficial to existing clients of Brunel and have changed the way many of our clients operate today.

Select Insurers - We are brokers (not agents) and totally independent to search the market, unlike many of its competitors which are owned by Insurance Companies. Brunel reviews Insurers continuously and considers the main factors such as premium levels, claims handling performance, cover offered and financial strength.

Claims handling - In the event of a claim, Brunel will guide you through the process, ensuring the case is resolved as smoothly as possible. Brunel are not just a postal service between clients and Insurers; they get involved in helping clients with understanding the pre-action protocol, procedures and drafting letters to claimants, if required. Brunel will also ensure that underwriters are looking after your interests and not just theirs and will fight your corner with Insurers if the need arises.

Risk Management - Your client is more likely to sue you now in today’s climate, than ever before. Times have changed in recent years with the explosion of the claims culture and the definition of "Duty of care" has increased significantly. Claims are being paid now which would not have been three years ago.

Brunel shares a common goal with you in minimising your exposure to professional negligence claims. Brunel can help you with managing your operational risks.

We give risk management advice in relation to your contracts to identify areas which are not covered by your PI policy or where your liability is extended beyond what should be considered reasonable and/or the common law position.

As PI Brokers Brunel are always involved in seeing claims against clients, therefore we identify common sources of claims and advise clients on how to change their operations and contracts to reduce their risk, which in turn can reduce premiums when highlighted to Underwriters.

Our services include:

• regular newsletters via your email on areas such as relevant employment law, property and many topical issues facing your business today
• Providing clients with practical, tailored risk management advice.
• Conducting risk management assessments and seminars as part of your firm’s in-house training programme.
• Contracts / Appointments reviewed by top city law firm - Fishburns

To maximise our programme, we ask that clients:

• Accept and act upon risk management advice that Brunel may offer you.
• Advise Brunel of any new risks they identify which our clients could benefit from knowing about.
• To ensure all clients employees take a responsible attitude to risk management and conduct business in a manner conducive to the prevention of claims.

The highest standards - Brunel operates in a professional environment which demands the highest level of commitment and service. Brunel combines a professional and personal approach with a friendly and informal service.

PROFESSIONALS IN PARTNERSHIP

We aim to develop partnerships which are mutually beneficial. By working together, we can provide a competitive premium and quality service.