At Ramon International, we pride ourselves in delivering traditional broking services in an efficient and effective manner. Our clients appreciate an individual approach when discussing their business and risk management requirements. We believe that our personal approach is invaluable in creating trust and understanding and where possible, this ethos continues when we discuss our client’s requirements with Underwriters. We believe that communication is far too important to be reduced to soundbites and short forms.
Our clients come from a wide variety of business sectors.
Some of our specialities include:
Automotive, Engineering & Manufacturing
Read moreless
Motor trade
A motor trade policy will include a broad range of risks and exposures and provide comprehensive cover under a single policy.
Property – Protecting property on the Premises, including Buildings, Contents, Fixtures and Fittings etc.
Employers’ Liability
Protecting the Insured’s legal liability to employees in respect of injury or illness in the course of their employment as a result of negligence.
Public Liability
Protecting the Insured’s legal liability to third parties in respect of injury or illness as a result of negligence by the insured.
Servicing Liability
Protecting the Insured’s legal liability following an accident.
Road Risks
Typically insured on a comprehensive basis in respect of vehicles that are owned by the entity or whilst in their care, custody or control.
Personal Accident and Travel
The Personal Accident policy may be divided into three separate covers:
1. Personal Accident
This may include Directors, Employees and / or their families, usually on a 24 hour basis in respect of a range of different benefits, usually including Accidental Death and Permanent Disability.
2. Sickness
This cover provides a benefit to the entity or affected individual in respect of absence due to illness.
3. Travel
This cover provides protection which includes Medical Expenses and Repatriation whilst travelling on business and / or leisure.
Motor Fleet
Mini Fleets consist of between three and twelve vehicles which are owned by the entity and consisting of private cars and / or commercial vehicles.
Fleet consists of more than twelve vehicles owned by the entity and consisting of private cars and / or commercial vehicles.
Please also see our Liable Liability products under Financial Lines
Professional Risks
Financial Lines
Professional Indemnity provides cover for financial loss incurred by a third party as a result of your error or omission. Examples of companies who may require Professional Indemnity include Architects, Surveyors, Engineers, Designers and companies involved in Research and Development.
Read moreless
Management Practices Liability provides cover for limited liability entities which provides indemnity against a number of different scenarios:
1. Directors and Officers
This provides indemnity for the Directors and Officers against claims made against them by third parties in respect of ‘Unlawful Acts’.
2. Corporate Liability
This provides indemnity for the Insured Entity against claims made against them by third parties in respect of ‘Unlawful Acts’.
3. Employment Practices Liability
This provides legal protection for the Insured Entity against claims emanating from current or former employees.
4. Crime / Fidelity
This provides legal protection for the Insured Entity against criminal acts emanating from within the entity.
Legal Expenses
Business Legal Protection which can include contract disputes, tax disputes and property disputes.
Motor Legal Protection
Retail
Retailing businesses require careful consideration in relation to risk management, especially with regards to stock cover and their supply chain.
Read moreless
Consequently, it is imperative that the policy holder review their business interruption cover on a regular basis to ensure that the business is able to trade following a loss such as a fire or flood. At Ramon, we take time to understand your business, explain your exposures and provide insurance solutions.
Property Owners
At Ramon International we specialise in finding the right solution for your property insurance. Our experience is working with property owners, landlords, investors, developers, agents, and management companies, we pride ourselves in working with you closely to understand the exposures of your properties and your business. Our one-to-one approach ensures we understand as much as possible about your needs and are able to tailor a policy to your specific requirements.
Read moreless
Where we provide our expert knowledge
Residential Property
Including non-standard construction, multi tenure, converted buildings, DSS tenants and properties with a history (subsidence, flood etc.).
Commercial Property
All manner of buildings including warehousing, manufacturing and skyscrapers.
Unoccupied Buildings
Whether the property has been empty for a long time, or plans to be indefinitely we can offer full perils quotations on almost all buildings.
Developments and Renovations
At various stages including the contract works and latent defect cover.
Property Owners Liability
Access to increased limits of £20,000,000 or more.
Terrorism
Including non-damage business interruption.
Legal Expenses
And helplines when you need advice.
Cyber
21st Century exposures call for innovative and robust protection against Cyber Crime and the legal liabilities associated with handling data. Businesses can be exposed through a number of different forms of attack.
Read moreless
Where we provide our expert knowledge
Theft of Funds
Theft of cash via electronic means and/or fraud.
Theft of Data
Breach of GDPR regulation and potential ransom/extortion.
Damage to Digital Assets
Loss of earnings, loss of reputation, loss of customers.
First Party and Third Party Cyber Insurance
First Party insurance will seek to indemnify the policyholder against costs involved in responding to a Cyber attack in real time. This may include IT security and forensic support, legal advice relating to a breach of data and the costs associated with notifying businesses or individuals that their data has been compromised.
Following a Cyber incident, the policyholder may be liable to claims from Third Parties. For example, the transmission of harmful malware or negligence in protecting data. The policyholder may also be subject to fines from a regulatory body in respect of a breach infringement or from third parties in respect of a breach of intellectual property rights.
Ramon International recognises that every business is unique. That’s why we tailor our cyber policies to our clients’ needs and protect their exposures.
Where a trade does not fit in to conventional business description, our broking team ensure that a bespoke solution can be found.
We will be delighted to discuss with you, provide expert opinion and deliver insurance solutions for your business.
