Question 1

1. What types of clients does Scottvale work with?

Accepted Answer

We specialise in commercial property owners, developers, construction firms, hospitality businesses, medical professionals, and clients with complex or high-value risks.
We are particularly experienced in placing insurance programmes for substantial property portfolios, mixed-use developments, refurbishment projects and specialist liability exposures.
Our approach is consultative, we work best with clients who value strategic advice, long-term relationships and properly structured insurance programmes.

Question 2

2. Do you only arrange property insurance?

Accepted Answer

No. While commercial property and construction are core areas of expertise, we advise across a wide range of business risks including:
Property Owners Insurance
Contract Works & Construction
Professional Indemnity
Medical Malpractice
Cyber & Technology Risks
Directors & Officers Liability
Employers’ & Public Liability
Latent Defects
Terrorism
Specialist & Complex Risks
We design complete insurance programmes, not standalone policies.

Question 3

3. How is Scottvale different from other insurance brokers?

Accepted Answer

We do not treat insurance as a transaction.
We invest time in understanding how your business operates, where your real exposures lie, and how your risk profile may evolve.
Our advice is grounded in deep industry knowledge and long-standing relationships with leading UK insurers. This allows us to negotiate robust terms, explain cover clearly, and ensure policies work in practice, not just on paper.

Question 4

4. How do you assess risk?

Accepted Answer

We begin with detailed fact-finding and risk discovery.
We then structure a programme aligned to your operational realities, ensuring compliance with the Duty of Fair Presentation under the Insurance Act 2015.

Question 5

5. Can you review our existing insurance programme?

Accepted Answer

Yes.
We regularly conduct independent insurance reviews for businesses who want clarity on whether their programme is fit for purpose.
We assess:
Coverage gaps
Incorrect or inadequate limits
Policy inconsistencies
Insurer security
Premium competitiveness
Claims defensibility
Our review process is structured, analytical and transparent.

Question 6

6. Do you work with major insurers?

Accepted Answer

Yes.
We maintain strong relationships with leading UK composite insurers and specialist markets. This allows us to access competitive terms for both standard and complex risks.
For specialist placements, we can also access non-standard markets where appropriate.

Question 7

7. How are you paid?

Accepted Answer

We are remunerated either via commission from insurers or by agreed client fees, depending on the structure of the placement.
We are transparent about our remuneration and can provide full disclosure upon request.

Question 8

8. Do you assist with claims?

Accepted Answer

Absolutely.
Claims support is one of the most important aspects of our service.
We advocate on your behalf throughout the claims process, from initial notification to settlement, ensuring insurers respond in accordance with policy terms and timelines.
Our role is to minimise disruption and protect your position when it matters most.

Question 9

9. Can you manage large property portfolios?

Accepted Answer

Yes.
We have experience placing and managing insurance programmes for substantial, multi-location property portfolios with complex lease arrangements and varied occupancies.
We can provide structured schedules, insurer reporting, and annual programme reviews to ensure cover remains aligned to portfolio growth or changes.

Question 10

10. What information do you need to provide a quotation?

Accepted Answer

This depends on the class of business, but typically includes:
Full risk details and turnover figures
Claims history (usually 3–5 years)
Property schedules and rebuild values
Contractual details (for construction or professional risks)
Existing policy documentation
We will guide you through the process and request information in a clear, structured format.

Question 11

11. Do you offer risk management advice?

Accepted Answer

Yes.
Insurance is only one part of risk protection.
We advise on risk mitigation strategies, contractual risk transfer, appropriate indemnity limits, and operational controls that can reduce both premium cost and exposure over time.

Question 12

12. How often should insurance programmes be reviewed?

Accepted Answer

At minimum, annually at renewal.
However, we recommend reviewing cover whenever there are material changes such as:
Acquisitions or disposals
Development or refurbishment projects
Significant turnover growth
New contractual obligations
Regulatory changes
Insurance should evolve alongside your business.

Frequently Asked Questions