The role of commercial insurance brokers in the risk management

Such as risk management as a discipline in has developed it's own right, the insurance broking industry has acknowledged that additional technical services from your business customers, as well as more innovative solutions are needed for the purchase of insurance.

Brokers responded to this request by setting up risk control departments specializing in questions of health and safety, technical ability, the establishment of management companies that can look after the insurance companies of their most important customers, and the transition from the conventional Commission deserve based on a fee basis, which much more closely the work and the professional reflects advice from the broker instead delivered by direct reference to the amount of insurance that is sold.

The business one buyer in the search for the broker, who can help him with his risk management need insurance that is ready, a considerable amount of time, operations and risk positions spend becoming familiar with the client.

Commercial insurance customers are also seeking a broker that can help to plan a programme for dealing with such claims including the purchase of insurance, and systems can offer the advice, the cremation of risk retention and the implementation of the loss prevention.

The commercial insurance broker general role in this respect therefore, thus the client business risk positions are properly processed, and in the financial area, i.e. either by business insurance and not insurance measures.

Furthermore, should the broker through his skillful negotiations, programs produce profitable account and innovation, effective insurance purchase and, last but not least, help the client to reduce his business losses.

The overall objective of insurance broker business risk management is therefore the client company financial performance improve, by situations avoid helping to reduce expenditure on insurance and potential loss.

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Kommerzielle Flottenmanagement und Versicherung - wie man kluge grüne Entscheidungen zu treffen

End of July 2010 Philip Hammond was confirmed by the Minister of transport, that from January 2011 motorists receive carbon ultra low up to ?5, 000 for the purchase of a car. The initiative is open to fleet and private buyers. Now that this has been confirmed, how this influence could have your fleet management decisions and what kind of impact, if any, is it on commercial fleet insurance?

The Government have this announcement even before the conclusion of the expenditure review to support the early market for ultra low carbon cars. The costs for the polluting cars with the changes of the tax system road of Alistair Darling's budget get higher.

This is unique first year "showroom tax", which pay the buyers of high emissions cars having to up to ?950 in the first year, while those who nothing will pay a new car to buy, which is less than 130 g / km CO2 emissions could see.

The Department of transport to point out that your fleet make green does not necessarily mean that the class of the vehicle. In fact, it is a useful tool to the Act on CO2 website can you compare the different classes of vehicles, fuel and see how they fare on the tax band and the CO2 comparison.

Select the small family class, and select all fuels are the seat Leon, Ford focus, the new VW Golf and the Volvo C30 for example the top vehicles. Diesel is the fuel for all of these and there are no taxes on them in the first year pay. All these cars fall in 99 CO2 (g/km) category.

If it's a regular family car, the the size of some of your fleet cars then it the Volkswagen Passat sedan is 1.6 TDI 102PS BlueMotion which is diesel, is the best option with no tax on the first year, and it as 114 CO2 classified is (g/km). It is a useful search engine, which can be used for research when making plans.

The commercial fleet insurance review it while no direct can impact it indirect effects. In a time like this for fleet managers be forced in revaluation due to both the environmental and economic factors, should take into account the indirect effects.

A report by Professor Peter Cooke, which aimed at the future of the fleet States define a company car to earn to keep their had economically in the future as in the past. This brings us to the area of the choice of company cars; If you need really them and the question of reducing the overall size of the company fleets, as well as the class of vehicles is used.

When these decisions are made strategically, we should see significant reductions of the insurance premiums from the insurance point of view. Vehicles will be chosen with the environmental and economic considerations in mind that, while need a global evaluation, to on the entire company policy, includes the future economic benefits will be weighed against the costs made.

The Department of transport management logistics recommends revaluation and asks companies to consider the option of cargo by water unlike the road or rail move. It freight facilities are grants available to organizations make these changes. It is for van and truck driver Government funded training helps reduce van drivers fuel consumption by 16% and a reduction in the error of 56%.

Finally, tough decisions must be made to the current time change. However, when these decisions are also strategically mapped out companies can develop plans that benefit to get rid of the green initiatives, dead wood-art fleet use and economically benefit, where appropriate, with alternative transport. Commercial fleet insurance can by selecting the vehicles and drivers, as well as fleet needs are part of the company far stricter about what really be reduced.

Jackie writes for the blog of a UK commerical fleet insurance company, cover 4 fleet insurance. They offer low-cost and custom insurance fleet packages.

http://www.cover4fleetinsurance.co.UK/Commercial-Fleet-Insurance.html

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