About Us
Instinct Insurance & Risk Management Services are an independent insurance brokerage providing general insurance & advice to clients across England, Scotland, and Wales. Based in Staffordshire, with a philosophy to be professional yet personal, each client receives a tailored approach to suit their individual circumstances.
Whilst we are independent, we are also Premier Broker Network members. This frees up our time to focus on you, our clients, whilst receiving the additional support and back-office assistance to operate compliantly.
We have access to over
ranging from the largest in the industry, including Lloyd’s of London, to niche, specialised markets. With the support from our network, we have developed strong relationships with our partners, enabling us to negotiate your requirements with a view to provide suitable & reasonable solutions.
Why Instinct?
Insurance is important and we recognise this; offering protection in a world of uncertainty. Our ethos is to provide a tailored service, from the initial conversation through to when you need us most. We build strong relationships with our clients, helping to protect, advise and remove that uncertainty.
It all comes down to a promise.
Insurance allows you to transfer risk to someone else and if the unfortunate occurs, they promise to indemnify you.
Without insurance, you would have to implement a contingency fund. How much do you set aside for this? It might be easy enough to assess the cost to replace a piece of equipment, but could you accurately and adequately put a figure on the impact of an injury to a customer or employee on your business? Transferring the risk allows the uncertainty to be passed on, which enables re-investment of profits promoting growth and development.
Insurance is often more important than we actually realise and getting it right can often be complex. That is why we want to help.
We’re proud to be members of the British Insurance Brokers’ Association (BIBA). The UK’s leading general insurance intermediary organisation who not only represents us, as an insurer broker, but also you, our clients.
BIBA providers us with many benefits including access to specialist schemes and facilities for often niche, specialist risks or products.
You can find out more information on BIBA by clicking here.
The Society of Insurance Broking is part of the Chartered Insurance Institute (CII) Group and aims to raise the profile of professionalism within the industry.
All of our staff are members of both the CII and SIB.
As members of the society, our staff are therefore expected to meet certain professional standards outlined in the CII’s Code of Ethics – which can be found here.
For example, but not limited to, we must provide a high standard of service whilst acting in the best interest of each client, with the highest ethical standards and integrity.
Qualified Staff
All our staff hold a minimum 'Certificate in Insurance' qualification from the Chartered Insurance Institute demonstrating their professional commitment.
Renewals
When it's time for renewal, we'll remind you; then together we'll perform a new review, negotiate with your existing insurer & any alternatives, if appropriate.
Tailored Service
No two people, let alone businesses, are the same. Our approach is different for each client and their requirements. We'll work to find a solution that suits you!
Availability
We're here from start to finish. We want you to know that we'll be there for you during your policy for any queries or changes, as often or as little as you want.
Claims Assistance
At the end of the day, it's why you buy insurance. So, when you do need to claim, as your broker, we'll be on hand to help and guide you through the process.
Personal
It's our brand - Professional yet Personal. You're dealing with people who care, who want to help you and provide service of the highest standard.
Qualified Staff
All our staff hold a minimum 'Certificate in Insurance' qualification from the Chartered Insurance Institute demonstrating their professional commitment.
Renewals
When it's time for renewal, we'll remind you; then together we'll perform a new review, negotiate with your existing insurer & any alternatives, if appropriate.
Claims Assistance
At the end of the day, it's why you buy insurance. So, when you do need to claim, as your broker, we'll be on hand to help and guide you through the process.
Tailored Service
No two people, let alone businesses, are the same. Our approach is different for each client and their requirements. We'll work to find a solution that suits you!
Availability
We're here from start to finish. We want you to know that we'll be there for you during your policy for any queries or changes, as often or as little as you want.
Personal
It's our brand - Professional yet Personal. You're dealing with people who care, who want to help you and provide service of the highest standard.
View our standard Terms of Business Agreement here.