Through three trading divisions: Corporate Commercial Private Clients our approach is to provide clients with individual, highly professional and cost-effective insurance, claims and risk management solutions. Our philosophy is built upon quality and client partnership. Our teams bring together a high level of insurance, risk management, information technology and finance expertise, delivered by personnel with extensive experience across a broad spectrum of commerce and industry. This enables us to positively differentiate clients from other buyers in the market to enable us to deliver competitive and innovative solutions not available to our competitors. These philosophies are underpinned by a major investment in risk management where we can deliver services across all areas including:- • Health & Safety • Business Continuity • Security Assessments • Motor Fleet Risk Management & Driver Training • Environmental Risk Management • Professional Risk Services • Directors Risk Management responsibilities • Health & Safety Risk Assessments including:-     - Noise     - Vibration     - Fire     - Manual Handling     - Hazardous Substances     - Display Screen Equipment