C W R Constable & Co are an established firm of registered insurance brokers, based in Thornbury, Bristol, who specialise in advising and arranging commercial insurance for business in a wide variety of market sectors.

Whilst we specialise in commercial and industrial business we also have a Personal Department that looks after insurances such as motor, household and travel insurance.

We understand that the way your insurance is arranged can, ultimately, make or break your business and that, above all, you want sound, comprehensive advice on how to minimise your exposure to risk, coupled with competitive pricing.

We appreciate that an annual review of your insurance cover is not usually top of your priority list - so we make it top of ours. And we realise you want a simple summary of exactly what your insurance covers, and what it doesn't, so that you have instant access to that information should you need it.

We research your business to assess all the areas in which your business equipment, staff and customers on whom you depend could be at risk. We understand the regulations which can affect your business, from Health and Safety legislation to the implications of the law on Employers' Liability, and we can advise you accordingly.

We will review your current policies and produce a report and an insurance recommendation which will match your needs. We will review it at least annually and more often if your business is growing and changing rapidly to make sure that your insurance cover continues to reflect your business requirements.

We seek the very best terms taking into account the level of cover offered by insurers and price. We have access to all the main UK insurance markets and have encyclopaedic knowledge of which insurer specialises in which type of cover and where the best cover for the best price can be found.

We are an owner managed business. This means that you won't see a succession of changing faces, and you will always get top level personal service from someone who knows you and understands your business.

Our clients span a huge range from private and public companies operating in commercial, technical or industrial markets to sole operators working from home.

We offer a range of servcices to commercial clients and these are summarised below:

On Reciept of appropriate instructions we will carry out a review of you business activities and, in conjunction with you, help assess your exposure to certain risks and then examine your current insurance arrangements to determine how well they cover the risks to which you are exposed. We will then prepare a report and, as appropriate, negotiate with your insurers and alternative insurers to improve the cover provided whilst maintaining competitive premiums.

We appreciate that, sometimes, you will have a strong business relationship with your existing insurance advisers but would like a second opinionregarding the adequacy of your insurance protection and without the need to change insurance advisers. In these circumstances we will undertake a confidential audit of your insurance arrangements and undertake not to contact your existing advisors or insurers. Instead we would simply ask you to provide certain information regarding your insurance policies and, once our audit is completed, we will provide a report of our findings. You can the use the report as a management tool to discuss our findings with your existing advisors and, hopefully, further strengthen the business relationship without feeling pressurised into appointing us as your new advisors.

The audit is carried out in return for a fee which we would agree with you prior to commencing the review. Naturally, once the audit is completed, if you decide that youwould like to appoint us as your new insurance advisors then we would be pleased to discuss how we could be of further assistance to you.

Sometimes, insurance brokers have a particular expertise in certain specialist areas of business. We will be pleased to work with both your existing insurance advisors and insurers should you feel you would like our input in respect of any arwea of business.

If you would like further information or an informal discussion regarding your insurance requirements please contact us.

We can advise and arrange on all commercial types of policies from those that cover Material Damage through to Liabilities including Employers' Public and Products Liability. Essentially, insurers fall into several categories.

Material Damage - loss or damage to property

Pecuniary - profits, revenue and additional costs following a material damage loss.

Liability - liability to Third Parties as a result of negligent acts arising from your business activities.

There are numerous types of policies available to cover most risks and some will be more pertinent to your business than others. All businesses face risks of varying degrees and a regular review of those risks and appropriate insurances should be carried out to ensure you are adequately and cost effectively insured agains those risks.