Champion Insurance Brokers
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Champion Insurance Brokers
Independent Chartered Insurance Brokers offering expert advice to businesses, property owners and private clients throughout the UK. Our membership of Willis Towers Watson Networks gives our clients access to leading insurers, niche providers, enhanced policy wordings and competitive premiums. Our network place over 500m of premiums in the UK, giving us significant influence and leverage.

Property owners insurance can be complex, calling for a broker with specialist knowledge of the market. We routinely arrange cover for blocks of flats, commercial premises, unoccupied properties and buy to let houses with a wide panel of insurers. Unlike many of our competitors we employ our own in house claims team who offer support and guidance throughout the process, from submitting the claim, right through to settlement, ensuring our clients claims are paid as quickly and as efficiently as possible.

We enjoy "Chartered Status", an exclusive accreditation awarded by the Chartered Insurance Institute to fewer than 5% of regulated brokers.
Services
Based in Manchester, Champion Insurance Group provide bespoke insurance solutions for businesses of all sizes and private clients, located throughout the North West and across the UK.
We pride ourselves on thinking strategically and gaining a real understanding of our clients' needs, enabling us to arrange tailored cover to meet requirements today and in the future.
Our team has a wealth of experience on which to draw and offer particular specialism in the areas of corporate insurance, business insurance and property owners insurance.
Champion Insurance Group is founded on the wealth of knowledge and industry experience of the management team who have held senior positions at insurance companies and national insurance brokers spanning a period of over 40 years.
Our handpicked team of qualified brokers and claims personnel have exceptional business insight and proven expertise within the field of business, property owners and private client insurance.
Our commitment to professional learning and core competencies and our total independence means that our clients enjoy quality impartial advice tailored to their needs.
When arranging liability insurance, along with other financial estimates, you will need to provide your insurer with an estimate of annual payments to "Bona fide" sub-contractors.
Bona fide sub-contractors are generally deemed to be contractors who work without your direction.
They hold their own insurances and will usually provide their own materials and tools.
An example might be a specialist Demolition Contractor brought in to demolish a building as part of a larger contract.
Although bona fide sub-contractors might carry their own insurances, their activities could lead to a claim being lodged against you and you will need to insure against this "contingent liability".
When arranging liability insurance, along with other financial estimates, you will need to provide your insurer with an estimate of annual payments to "labour only" sub-contractors so that they can calculate the correct premium and issue appropriate cover.
Although technically self-employed, "labour only" sub-contractors work under your direction and generally do not provide their own material or tools (with the exception of small hand tools).
They may have their own insurances in place however they should be treated as Employees for the purposes of Employers Liability insurance.
Material facts are those which are likely to influence the insurer in the acceptance of or assessment of the terms or pricing of your Policy.
A typical material fact might be a CCJ, a previous claim, motoring convictions on a driving licence etc.
This is not an exhaustive list so if you are unsure whether some information is material or not, we recommend that you disclose it to your insurer immediately.
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