Our aim is to provide SIMPLE BUSINESS INSURANCE in a format you can understand and have assurance that your needs have been catered for.
We deal with major UK insurers only.
We have many years of experience and our staff are trained accordingly.
We offer our clients a unique blend of experience, knowledge and expertise to deliver effective insurance solutions with a dynamic and professional approach.
As an Independent Insurance Broker we are able to put our Clients' needs first and ensure that they benefit from the strength of our insurer relationships and our ability to provide high quality independent advice and claims support. You can speak to us - We are real people and we answer the phone.
We provide expert, impartial insurance advice for
Our expertise extends to all professional, commercial and manufacturing sectors including property, liability, construction, retail and leisure. We work very closely with our Strategic Partners to provide our clients with a wide range of additional risk management and specialist services.
We deliver clear, professional advice and support on insurance matters to ensure your peace of mind.
Simply register your existing renewal date with us to get a quotation:
Specialist Brokers for Music & Gun Trade
OFFICE & SURGERIES
HIGH NET WORTH HOUSEHOLD
For Larger Manufacturing & Wholesale Risks
Professional Indemnity, Fleet Insurance, Directors' & Officers', Commercial Vehicles - contact us for info...
EMPLOYERS & PUBLIC LIABILITY
We can cater for all types of trades.
Not wishing to blow our own trumpet ... But
In 2018, we are proudly Celebrating serving the Music Industry for 20 years and the Gun Trade for 10 years.
Gun Owners Insurance for individuals is also available www.gunguard.co.uk
Please follow GunGuard on:
We also write high value personal household insurance using specialist providers who are expert in this area.
S Johnson & Company began trading in 1990 when Steven Johnson bought offices in Bromford Lane, Birmingham. Our original intention was to provide a wide range of cover including motor insurance, household insurance and of course commercial lines cover.
Within a few years we decided to specialise in commercial insurance and in 1993 Graham Ettrick joined us to head up this area.
In the late nineties we decided to further refine our activities by introducing a scheme for the Music Industry. The Cover Notes Business Insurance scheme was conceived by Steve and Graham in 1998. The idea of the scheme was and still is to provide tailor made quality insurance products for the Music Industry. Graham plays guitar; Steve benefits his family and friends by having given up the piano.
In 2002 Steve formed a Limited Company and Graham was invited to become a Director - a position that he accepted.
In 2007 following the success of the Covernotes scheme we decided to look at another specialist area – and being in Birmingham which is the home of the UK gun trade the Guncover scheme was launched.
Today S. Johnson & Company Ltd provides insurance and risk management expertise to a wide range of businesses. We act as agents for most major UK insurers. We also have a sister firm S.Johnson Wealth Management LLP - see www.riskandreturn.co.uk. A free financial review is available for existing customers.
We understand that the subject of insurance is not the most fascinating and our approach has always been to provide translations written in English, whilst said missives have not always been grammatically perfect we believe that clients understand what we are communicating. For those clients who are allergic to large amounts of unbroken type (and understand Brummie) we are happy to talk over requirements.
Read your policy - this really is a good idea. Your policy document evidences a legally binding contract and should be considered definitive. Most people will not (in spite of our best efforts) read their policy. There is one exception to this general rule and this is the unfortunate who is standing by the pile of smouldering rubble that a few hours earlier was his business - he in our experience has read his policy carefully line by line and acquired a great depth of understanding of his policy terms and conditions. We will try to provide full and adequate cover but only you really understand your business - if you are not sure about any point talk to us.
We are authorised and regulated by the Financial Conduct Authority, one of whose functions is to ensure that we deal with clients fairly. We will at the outset send you a Terms of Business letter that will outline the scope of our activities, how we get paid (very important to us), dispute resolution procedures and common exclusions. Please see a summary of main areas below:
Material Facts: this is anything that affects your insurance - if your stock doubles - tell us. If an employee is injured - tell us. If your business changes in any way - we need to know.
Terrorism - unless you agree with us and pay separately for Terrorism cover you will not be insured in the event of a Terrorist Act.
E. Risk - all insurers will restrict cover arising from computer related stuff - from year 2000 date recognition to electronic trading.
Flood - if your business is situated in an area with a history of flooding - tell us.
Premises - Construction - we will assume that you are trading from premises that have been constructed from brick with an apex tile or slate roof. If you are working from a wooden shed down the bottom of your garden please mention this to us.You must tell us if you are aware of any asbestos material in your premises.
Overseas Activities - not your summer holiday but trading activities - unless disclosed you will not be covered.
Please note the above list is not exhaustive and you should really read our Terms of Business, Insurer Policy Documents and supporting bumph provided by us. We will always provide you with these documents at quotation stage or earlier on request.
If you have any queries we suggest you Talk To Us - we value your custom.
What to do if you have a complaint:
If you wish to register a complaint, please contact us in writing or by telephone. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. www.financial-ombudsman.org.uk A copy of our internal complaints procedures are available on request.