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Welcome to Mercer Insurance Brokers

People like to deal with people. A simple statement that we think highlights what we do best. At Mercer Insurance Brokers, we know our customers and we know their businesses.

Our Vision

Mercer Insurance Brokers

The vision at Mercer Insurance Brokers is to have the customer experience as our foremost purpose. Being available, attentive and reliable will mean as our customer, you will always receive the highest level of service and from that longstanding relationships are formed.

Understanding your business

The cornerstone to our success is the offering to our customers that we will always work on a face to face basis. In an age of broker consolidation, outsourcing and remote client contact, we firmly believe that the only way to fully look after customers needs is to visit them at their premises. This is the only way to develop a precise understanding of you and your business, and ensures the important details of your insurance are met.

Darren Mercer

Mercer Insurance is owned by Darren Mercer BA (Hons). Darren has had 12 years’ experience in the insurance industry, firstly as a Company Underwriter for NIG and then as an Account Executive for an independent brokerage.

This led to an 8 year career working as a Business Executive for AXA Insurance, managing a significant and diverse book of Commercial businesses and being the first point of contact for all of their requirements.

Darren brought a customer central perspective to this role, which immediately gained customer trust and a foundation for building loyalty in the longer term. Coupled with his insurance experience and customer accessibility, this created the ideals that Mercer Insurance Brokers have at the heart of its customer journey.

Our Services

All types of insurance for all types of people

From our base in South Wales and the South West, our partnership with Momentum Broker Solutions means we have access to an extensive network of insurers, which allows us not only to get you a great premium, but it also means we can be more specific around your particular industry and therefore provide you with cover entirely appropriate to your business.

The comprehensive support provided to us by Momentum also means we are able to focus all of our efforts on giving you the quality, face to face service we promise.

BUSINESS INSURANCE

Business Interruption Insurance

Every trade or business requires financial protection in the event of loss or damage to your property.

When an insured loss, such as fire or flood causes your premises to be vacated for a period of time and production to cease, business outgoings such as utilities, wages or rent will still need to be paid without any income.

The loss of one day of work could represent significant losses to a small business, but a sustained level of downtime whilst the damaged property is rebuilt and stock, machinery and equipment are repaired or replaced, could have catastrophic consequences to the balance sheet.

Business interruption insurance allows you to recover your operations and remain financially viable in the event of a serious incident.

Motor Fleet Insurance

Commercial Fleet Insurance policy can be the easiest and simplest way to protect your company’s vehicles and your drivers. You will often find that Fleet Insurance will be much more cost-effective than getting individual policies for each of your vehicles.

Some of the types of fleets we cover are;

  • Haulage Contractors (including Hazardous Goods and European Cover)
  • Minibus, Coach and Bus
  • Van, Trucks & Tipper·Fleets
  • Self-Drive Hire
  • Taxi Operators
  • Business Cars
  • Mobile Plant Companies

Commercial Legal Expenses Insurance

In our increasingly claims based society it is important to protect your business against costly legal expenses. Legal expenses insurance cover provides your business with access to a range of covers to ensure that the business does not have to fund solicitor’s bills for legal representation.··

Some of covers Legal Expenses Insurance may offer are;·

  • Cover for legal costs and expenses up to £100,000
  • Employment dispute protection - including payment of legal costs and compensation awards
  • Tax investigation - Professional Expenses from representing against HMRC or VAT
  • Contractual dispute protection, in respect of the sale or purchase of goods or services
  • Property protection and bodily injury, including nuisance and trespass
  • Multi-assistance legal, tax, business assistance and counselling helplines

Property Owners/ Landlords Insurance

Every building is bespoke and our policies can be individually tailored to suit both property and tenant, giving total protection for your building from Accidental Damage, Fire, Theft, Vandalism, Flood & Storm Damage, Legal Liabilities and Subsidence and Terrorism.

We cover all types of Property Owners insurance including:

  • Commercial buildings
  • Blocks of Flats
  • Residential Buy to Let
  • Vacant·or Unoccupied Premises

Surgeries & Healthcare Insurance

We specialise in providing insurance solutions·of doctors, dentists,·pharmacies, chiropractors, physiotherapists and other private healthcare practices and clinics including care homes and·hospitals

·We appreciate that every practice is different with its own set of risks and challenges and offer the following covers;

  • Public Liability Insurance – from £1 million, but can be extended beyond £10 million
  • Employers Liability Insurance - £10 million as standard, but can be extended
  • Business Premises, Stock, Business Interruption & Goods in Transit can be incorporated
  • Computer Equipment, Money, Terrorism and·Legal Expenses Insurance

Medical Malpractice Insurance

In your sector, this cover is essential, as the potential for legal action being taken against healthcare professionals for potential errors in the performance of services, whether unfounded or not, are becoming all too familiar.

Medical Malpractice Insurance can protect you against the following;·

  • Error or Omission
  • Neglect
  • Misdiagnosis
  • Bodily Injury
  • Mental Injury
  • Duty of Care
  • Good Samaritan Acts
  • Cover can be provided for medical related professional indemnity

Professional Indemnity Insurance

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services. It covers you in the event that you give faulty advice that causes financial loss to a client, offering cover for compensation you may need to pay to correct a mistake or cover any legal costs due to negligence, such as giving incorrect advice or making a mistake in your work.

The types of business requiring PI include:

  • Accountants
  • Advertising Agents
  • Architects
  • Auditors
  • Bookkeepers
  • Building Contractors
  • Business Advisors/Consultants
  • Chartered Surveyors
  • Computer Consultants
  • Doctors, Nurses and Medical Professionals
  • Engineers
  • Graphic Designers
  • Health & Safety Consultants/Advisors,
  • HR Consultants
  • IT Professionals and Businesses
  • Laboratories & Research
  • Loss Adjusters
  • Legal Consultants - Solicitors and Lawyers
  • Management Consultants
  • Market Research Consultants/Advisors
  • Mortgage Advisors
  • PR Consultants/Advisors
  • Recruitment Consultants
  • Security Consultants
  • Stock Brokers
  • Surveyors
  • Training Consultants
  • Web Designers

Motor Trade Insurance

We are particularly proficient at offering cover to the Motor Trade industry, as our underwriting background and expertise in this field put us in a position to offer market leading advice and solutions to our customers in this sector.

The types of Motor Trade businesses we cover include:

  • Car Sales (both New & Used)
  • Mechanic, Body shop or MOT workshops
  • Tyre and Exhaust Fitters
  • Breakdown or Recovery Operators
  • Vehicle Delivery Operators
  • Salvage or Breakers Yards
  • Car Valeting or Detailers
  • Commercial Vehicle Repairers

Contractors and Tradesman Insurance

Our Contractors and Tradesman are typically required to have liability insurance that protects them against claims of personal injury, property damage or negligence. We offer a highly competitive alternative to both existing businesses and new ventures, to cover your individual requirements, no matter what size.

Our services include;

  • Public Liability Insurance
  • Employers Liability Insurance
  • Contractors All Risks Insurance (including Own & Hired in Plant)
  • Contractors Combined Insurance
  • Personal Accident and Sickness Insurance
  • Professional Indemnity Insurance
  • Directors & Officers Insurance

Employers Liability Insurance

Employers have a legal responsibility for the health and safety of their employees whilst they are at work. If one of your employees is injured or falls during their time at work, they may try and claims compensation for you if they feel you are responsible. This insurance will allow you to meet the cost of compensation for your employees’ injuries or illness, defending your business against potentially significant damages.

Directors and Officers Insurance

Every decision made by you as a company director or officer has consequences, both good and bad, for your customers, employees, and you personally. Society is increasingly litigious, and said decisions have the potential to personally expose you to expensive claims and legal costs from Third Parties, resulting in a situation where both your personal assets and business could be at risk.

Even defending and winning a legal case can be an expensive process, particularly for an individual.

This insurance is designed to provide cover for legal defence costs and, where appropriate, any financial settlement award. It is designed to give cover against claims that can arise under the following areas:

  • Health & Safety at Work
  • Environmental Protection Act
  • Employment practice legislation
  • Breaches of Trading Standards
  • Creditors
  • Companies Act 2006
  • Investigation expenses
  • Corporate manslaughter
  • Pollution
  • Former directors, non-executives and share holders
  • Mergers and acquisitions
  • Data Protection Act
  • Disability Discrimination Act
  • Racial, sexual and age discrimination

Product Liability Insurance

Product liability insurance covers the cost of compensating anyone who is injured by a faulty product that your business·designs, manufactures or supplies. The damages awarded in these claims include medical costs, compensatory damages, economic damages, and, in some instances, legal fees, costs and punitive damages.

Even if you haven’t manufactured a faulty product, you could still be liable for it if you have sold it. You are liable if your business name is on the product; if your business has repaired or made changes to the product; if you imported it from outside the EU; or, if you cannot clearly identify the manufacturer or the manufacturer has gone out of business.

Sports and Social Clubs

We offer insurance for all types of Sports & Social Clubs, Leagues and Associations throughout the UK.

Every club is different and so are your insurance requirements. We will work with you to understand exactly which covers you do need and guide you through the optional covers, so you can make an informed decision.

Public Liability Insurance is incredibly important in this sector, including correct cover for your playing risk (including member to member liability) and junior coaching, is crucial to gaining peace of mind. For clubs that need it, we can also help you secure suitable Directors’ and Officers’ liability, designed for clubs and the way they operate.

For recreational sports clubs, we can offer cover that can include:

  • Insurance for Clubhouses & Equipment
  • Third party Liability
  • Professional Indemnity
  • Employers Liability
  • Personal Accident for all teams
  • Computer Risk
  • Directors and Officers Liability
Business Insurance
Private Insurance

PRIVATE INSURANCE

Looking after our customers is not limited to Commercial Insurance. We also cater for their Personal Insurance needs and have a comprehensive panel of insurers that can offer full and individual coverage. We also offer all types of personal high net worth insurance;

  • Homes
  • Fine Art
  • Jewellery
  • Travel
  • Motor
  • Yachts

Making a Claim

When you take out a policy that we have arranged, we will ensure you understand the process to follow in the event of a claim. Your policy documentation will also include additional information regarding what to do and who to call or contact in the event of a loss.

This must be your first port of call, to inform the relevant insurer, as soon as possible. You may find this to be particularly useful if you need to report a claim outside of business hours.

When you receive your policy documents:

  • Make sure you know what to do, in the event you need to make a claim.
  • Keep a note of your policy number with the claim information.
  • Consider giving copies to other people who may need access to that information.

If you need to make a claim:

  • Notify the claim to the insurer as soon as possible. Most policies will stipulate a time frame for doing so and the quicker notified, the quicker the insurer can start to rectify the loss.
  • If at all possible, have your policy documents to hand so you can answer any questions asked.
  • If for any reason you are not able to report the claim immediately, remember that you have a duty to take reasonable actions to mitigate the loss and prevent further damage.

Contact

Contact us now to find out how we can help you or fill out the form and we will respond to you as soon as we can.
 

Tel: 07771 364896
Email: hello@mercerinsurance.co.uk
 

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