When a referral may be appropriate

A referral can be useful where a client has complex property, liability, professional, technology, healthcare, life science, construction or other specialist insurance exposures that sit outside the referrer’s core expertise.

How we work

• We deal directly with the referred client on insurance matters
• We aim to explain the insurance position clearly and professionally
• We respect the existing adviser-client relationship
• We can coordinate with the client’s advisers where appropriate and authorised

Referral arrangements

Any referral or remuneration arrangement must comply with applicable financial-services, disclosure and professional obligations. Specific arrangements should be agreed before referrals commence.