File: D:/hMailServer/Data/sarahharvey.com/bob/94/{947D29EE-4009-4707-A13C-48EF977349FE}.eml
From: <bob@sarahharvey.com>
To: "'Natasha Jones'" <Natasha_Jones@ajg.com>
References: <8fc15b14be93487c8a5edad65e6e36df@ajg.com> <0e487cf2e95f4ee1bc05df937f905f08@ajg.com> <000001d69cc7$d806fd50$8814f7f0$@sarahharvey.com> <4d391cde700d4a0093c0d7d5787db4f6@ajg.com> <44df79720a7d4cb0a5340dd3a0e453a1@ajg.com>
In-Reply-To: <44df79720a7d4cb0a5340dd3a0e453a1@ajg.com>
Subject: RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey Limited
Date: Thu, 22 Oct 2020 13:12:04 +0100
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Natasha,
Can I get copies of the insurance policy please for clients perusal
Many thanks
From: Natasha Jones <Natasha_Jones@ajg.com>
Sent: 12 October 2020 14:16
To: 'bob@sarahharvey.com' <bob@sarahharvey.com>
Subject: RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey
Limited
Hi Bob
Following on from the below, I have approached a few other insurers and
due to the trade Thistle have remained the most competitive for you.
Please can you advise how you wish to proceed
Kind regards
Tasha Jones
Senior Account Manager
Tel � 01443 502655
Email- Natasha_jones@ajg.com <mailto:Natasha_jones@ajg.com>
Gallagher
Unit 3, Magden Park, Llantrisant, S.Wales CF72 8XL
<http://www.ajg.com/uk> www.ajg.com/uk
From: Natasha Jones
Sent: 08 October 2020 13:25
To: 'bob@sarahharvey.com' <bob@sarahharvey.com
<mailto:bob@sarahharvey.com> >
Subject: RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey
Limited
Hi Bob
Thank you for the email below, this policy is based on the exact same as
it was last year. All cover you had is also included in this year�s
policy.
However due to the trade we have very limited insurers who will cover the
recruitment agency, at the moment the current insurers are the only ones I
have a quote from.
I will double check with my colleagues in the office to see if there is
anyone who are more competitive than Thistle to quote.
I will come back to you as soon as possible
Kind regards
Tasha Jones
Senior Account Manager
Tel � 01443 502655
Email- Natasha_jones@ajg.com <mailto:Natasha_jones@ajg.com>
Gallagher
Unit 3, Magden Park, Llantrisant, S.Wales CF72 8XL
<http://www.ajg.com/uk> www.ajg.com/uk
From: bob@sarahharvey.com <mailto:bob@sarahharvey.com>
Sent: 07 October 2020 17:35
To: Natasha Jones
Subject: RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey
Limited
[EXTERNAL]
Natalie
Thanks for your quote
The quote usually has vicarious liability cover. Can you check this
please?
Also is this the best price you can offer as I am looking at other quotes
at present.
I understand the insurance runs out next Thursday.
Regards
From: Natasha Jones <Natasha_Jones@ajg.com <mailto:Natasha_Jones@ajg.com>
>
Sent: 06 October 2020 12:43
To: 'bob@sarahharvey.com' <bob@sarahharvey.com
<mailto:bob@sarahharvey.com> >
Subject: RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey
Limited
Good Afternoon Bob
I Hope your well
Just looking to see if you have had chance to go through the renewal quote
we sent over.
Unfortunately every time I call a lady answers before you due to working
remotely
When you free please can you call me or please reply to my email to advise
Kind regards
Tasha Jones
Senior Account Manager
Tel � 01443 502655
Email- Natasha_jones@ajg.com <mailto:Natasha_jones@ajg.com>
Gallagher
Unit 3, Magden Park, Llantrisant, S.Wales CF72 8XL
<http://www.ajg.com/uk> www.ajg.com/uk
From: Natasha Jones
Sent: 29 September 2020 11:28
To: 'bob@sarahharvey.com' <bob@sarahharvey.com
<mailto:bob@sarahharvey.com> >
Subject: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey
Limited
Dear Mr Home,
Your Commercial Combined Insurance Policy is due for renewal on 15th
October 2020 and I now have pleasure in attaching our formal renewal terms
for the forthcoming policy period for your attention.
Please check the attached renewal terms to ensure all cover, sums insured
and risk information remains correct and continues to meet your
requirements. If there are any changes/alterations to be made please
notify us immediately as this may affect your renewal terms and/or
premium.
We have established that you may benefit from our optional additional
service Gallagher Business Assist.
Gallagher Business Assist offers additional support to your business in
the event that you suffer a qualifying insurance claim by providing an
appointed loss controller to act on your behalf. Below is a summary of the
service to help you to decide whether or not this product is suitable to
meet your needs.
About Gallagher Business Assist
Insurers generally appoint Loss Adjusters to act on their behalf in the
event of there being a large claim.
Gallagher Business Assist (Loss Recovery Service), is a service, which
provides you with a loss controller to prepare and negotiate commercial
Property &/or Business Interruption insurance claims on your behalf. The
loss controller would be acting entirely in your interests as qualified
claims professional.
In the event that you suffer a property and/or business interruption claim
of over �10,000, this service can provide you with the following benefits;
* The appointment of one of our in-house Loss Controllers, all of
whom are fully qualified Chartered Loss Adjusters and highly experienced
in dealing with major &/or complex losses
* Representing your interests, in relation to your claim
* Providing immediate advice on what to do straight after the
incident has happened, including site visits as appropriate
* Advising you on your options and entitlements under the terms of
your qualifying policy
* Attending meetings with the insurer and their appointed loss
adjusters/agents to present the claim in the most appropriate light
* Providing expert help on valuing, preparing, presenting and
progressing the claim for the best chance of a speedy and successful
outcome
* Advising on documentation and supporting evidence required to
progress the claim
* Advising on how to avoid breaching your claims related policy
conditions and steering you around common pitfalls and obstacles
* Negotiating interim payments on your behalf
* Challenging insurers and their representatives, when required,
regarding interpretations that may limit or reduce the policy cover
There are some restrictions and conditions which apply to this service;
* Property damage and business interruption claims under �10,000 are
excluded
* Excludes claims in respect of personal injury, liability, marine,
aviation, motor, personal property or injury, or, civil proceedings and
any claim outside mainland UK other than Isle of Man and Channel Islands
* The claim must occur and be made during your policy term
* In the event of a qualifying claim, your intention to utilise
these services must be notified to us as soon as possible after the event.
This however does not replace your obligations to notify your insurer/s of
the Property/Business Interruption claim in question within any
notification conditions set out in their policy or associated
documentation.
Please refer to the attached document for the full extent of the service.
Next Steps - Gallagher Business Assist
On this occasion, we have not provided you with a recommendation, guidance
or advice as to whether the service is the most suitable for your needs.
It is for you to decide whether this service meets your needs.
Gallagher Business Assist (GBA) is an exclusive offering to Arthur J.
Gallagher Insurance Brokers Limited; we are the sole provider of this
service. The annual cost for this service is stated below.
Service Period
Provider
Service Fee
12 months from 15/10/2020
Gallagher Business Assist
�105.00
Should you no longer require this service or believe that it no longer
suits your needs please let us know.
I look forward to receiving your renewal instructions no later than the
renewal date to ensure continuity of cover.
Kind Regards,
Tasha Jones
Senior Account Manager , SME & Personal Lines
Direct: 01443 502 655
Natasha_Jones@ajg.com <mailto:Natasha_Jones@ajg.com>
Gallagher
Magden Park | Green Meadow | Llantrisant | CF72 8XL
www.ajg.com/uk
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Where you are obtaining a consumer policy of insurance, you must read each
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Failure to comply with the above disclosure requirements, as they apply to
you, could mean that your policy of (re)insurance is void, its terms are
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This email is being sent by a subsidiary of Arthur J. Gallagher Holdings
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companies. For details of the registered office, company number and, where
applicable, regulated status of our subsidiaries, please visit
https://www.ajginternational.com/legal-regulatory-information/.
We are the data controller of any personal information you provide to us
or personal information that has been provided to us by a third party. We
collect and process information about you in order to arrange insurance
policies and to process claims. Your information is also used for business
purposes such as fraud prevention and detection and financial management.
This may involve sharing your information with third parties such as
insurers, reinsurers, other brokers, claims handlers, loss adjusters,
credit reference agencies, service providers, professional advisors, our
regulators, police and government agencies or fraud prevention agencies.
We may record telephone calls to help us monitor and improve the service
we provide. For further information on how your information is used and
your rights in relation to your information please see our privacy notice
at https://www.ajginternational.com/Privacy-Policy/. If you are providing
personal data of another individual to us, you must tell them you are
providing their information to us and show them a copy of this notice.
Where you are obtaining a non-consumer policy of (re)insurance, or cover
for additional risks or renewal under an existing policy, you are required
to make a fair presentation of the risk to a (re)insurer which discloses
every material circumstance which you know or ought to know relating to
the risk to be insured. A circumstance is material if it would influence
the judgment of a prudent insurer in determining whether to provide
insurance for the risk and, if so, on what terms. Disclosure must be
reasonably clear and accessible to a prudent insurer and made in good
faith. The aforementioned duty of disclosure is the applicable duty under
the laws of England and Wales. If your policy is not subject to English
law you are expected to disclose risk information in accordance with the
requirements of the applicable law. In such circumstances we expect you
will disclose risk information at least equal to the standard required
under English law and where the applicable law requires you to disclose
information over and above the level required under English law you will
provide such information in accordance with that law.
Where you are obtaining a consumer policy of insurance, you must read each
question and answer honestly and fully and must take reasonable care to
not make a misrepresentation.
Failure to comply with the above disclosure requirements, as they apply to
you, could mean that your policy of (re)insurance is void, its terms are
materially altered or that (re)insurers are not liable to pay all or part
of your claim(s). If you are in any doubt as to your obligations you
should ask your usual contact.
This e-mail and any attachments are CONFIDENTIAL and may contain legally
privileged information. If you are not the intended recipient of this
e-mail message, please telephone or e-mail us immediately, delete this
message from your system and do not read, copy, distribute, disclose or
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--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext=3D"edit" spidmax=3D"1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext=3D"edit">
<o:idmap v:ext=3D"edit" data=3D"1" />
</o:shapelayout></xml><![endif]--></head><body lang=3DEN-GB link=3Dblue =
vlink=3Dpurple style=3D'word-wrap:break-word'><div =
class=3DWordSection1><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Natasha,<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Can I get copies of the insurance policy please for =
clients perusal<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Many thanks<o:p></o:p></span></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'><o:p> </o:p></span></p><div><div =
style=3D'border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm =
0cm 0cm'><p class=3DMsoNormal><b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> Natasha =
Jones <Natasha_Jones@ajg.com> <br><b>Sent:</b> 12 October 2020 =
14:16<br><b>To:</b> 'bob@sarahharvey.com' =
<bob@sarahharvey.com><br><b>Subject:</b> RE: Renewal Invite: =
Contact Reference: 11524793 - Sarah Harvey =
Limited<o:p></o:p></span></p></div></div><p =
class=3DMsoNormal><o:p> </o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Hi Bob</span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'> </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Following on from the below, I have =
approached a few other insurers and due to the trade Thistle have =
remained the most competitive for you. </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'> </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Please can you advise how you wish to =
proceed</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'> </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Kind regards </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'> </span><o:p></o:p></p><div><p =
class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tasha =
Jones</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Senior Account =
Manager</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tel – 01443 =
502655</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Email- <a =
href=3D"mailto:Natasha_jones@ajg.com">Natasha_jones@ajg.com</a></span></b=
><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:9.0pt;font-family:"Arial",sans-serif;color:black'>&nbs=
p;</span><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#5B9BD5'=
>Gallagher</span></b><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
>Unit 3, Magden Park, Llantrisant, S.Wales CF72 =
8XL</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><a href=3D"http://www.ajg.com/uk"><span =
style=3D'font-size:10.0pt'>www.ajg.com/uk</span></a></span><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
> </span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
> </span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><img border=3D0 width=3D429 height=3D91 =
style=3D'width:4.4666in;height:.95in' id=3D"_x0000_i1029" =
src=3D"cid:image001.jpg@01D6A874.EF44E230"></span><o:p></o:p></p></div><p=
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'> </span><o:p></o:p></p><div><div =
style=3D'border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm =
0cm 0cm'><p class=3DMsoNormal><b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> Natasha =
Jones <br><b>Sent:</b> 08 October 2020 13:25<br><b>To:</b> =
'bob@sarahharvey.com' <<a =
href=3D"mailto:bob@sarahharvey.com">bob@sarahharvey.com</a>><br><b>Sub=
ject:</b> RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey =
Limited</span><o:p></o:p></p></div></div><p =
class=3DMsoNormal> <o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Hi Bob </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Thank you for the email below, this policy =
is based on the exact same as it was last year. All cover you had is =
also included in this year’s policy. </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>However due to the trade we have very =
limited insurers who will cover the recruitment agency, at the moment =
the current insurers are the only ones I have a quote from. =
</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>I will double check with my colleagues in =
the office to see if there is anyone who are more competitive than =
Thistle to quote. </span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>I will come back to you as soon as possible =
</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Kind regards </span><o:p></o:p></p><div><p =
class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tasha =
Jones</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Senior Account =
Manager</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tel – 01443 =
502655</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Email- <a =
href=3D"mailto:Natasha_jones@ajg.com">Natasha_jones@ajg.com</a></span></b=
><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#5B9BD5'=
>Gallagher</span></b><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
>Unit 3, Magden Park, Llantrisant, S.Wales CF72 =
8XL</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><a href=3D"http://www.ajg.com/uk"><span =
style=3D'font-size:10.0pt'>www.ajg.com/uk</span></a></span><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
> </span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><img border=3D0 width=3D429 height=3D91 =
style=3D'width:4.4666in;height:.95in' id=3D"_x0000_i1028" =
src=3D"cid:image001.jpg@01D6A874.EF44E230"></span><o:p></o:p></p></div><d=
iv><div style=3D'border:none;border-top:solid #E1E1E1 =
1.0pt;padding:3.0pt 0cm 0cm 0cm'><p class=3DMsoNormal><b><span =
lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> <a =
href=3D"mailto:bob@sarahharvey.com">bob@sarahharvey.com</a> =
<br><b>Sent:</b> 07 October 2020 17:35<br><b>To:</b> Natasha Jones =
<br><b>Subject:</b> RE: Renewal Invite: Contact Reference: 11524793 - =
Sarah Harvey Limited</span><o:p></o:p></p></div></div><div =
style=3D'border:solid #9C6500 1.0pt;padding:2.0pt 2.0pt 2.0pt 2.0pt'><p =
class=3DMsoNormal =
style=3D'line-height:12.0pt;background:#EB984E'><b><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:white'>[=
EXTERNAL]</span></b><o:p></o:p></p></div><div><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Natalie</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Thanks for your quote</span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>The quote usually has vicarious liability cover. Can you =
check this please?</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Also is this the best price you can offer as I am looking =
at other quotes at present.</span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>I understand the insurance runs out next =
Thursday.</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-la=
nguage:EN-US'>Regards</span><o:p></o:p></p><div><div =
style=3D'border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm =
0cm 0cm'><p class=3DMsoNormal><b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> Natasha =
Jones <<a =
href=3D"mailto:Natasha_Jones@ajg.com">Natasha_Jones@ajg.com</a>> =
<br><b>Sent:</b> 06 October 2020 12:43<br><b>To:</b> =
'bob@sarahharvey.com' <<a =
href=3D"mailto:bob@sarahharvey.com">bob@sarahharvey.com</a>><br><b>Sub=
ject:</b> RE: Renewal Invite: Contact Reference: 11524793 - Sarah Harvey =
Limited</span><o:p></o:p></p></div></div><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Good Afternoon Bob</span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>I Hope your well</span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Just looking to see if you have had chance =
to go through the renewal quote we sent over. </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Unfortunately every time I call a lady =
answers before you due to working remotely </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>When you free please can you call me or =
please reply to my email to advise </span><o:p></o:p></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;=
mso-fareast-language:EN-US'>Kind regards</span><o:p></o:p></p><div><p =
class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tasha =
Jones</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Senior Account =
Manager</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Tel – 01443 =
502655</span></b><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;color:#244061'>Email- <a =
href=3D"mailto:Natasha_jones@ajg.com">Natasha_jones@ajg.com</a></span></b=
><o:p></o:p></p><p class=3DMsoNormal><b><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#5B9BD5'=
>Gallagher</span></b><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
>Unit 3, Magden Park, Llantrisant, S.Wales CF72 =
8XL</span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><a href=3D"http://www.ajg.com/uk"><span =
style=3D'font-size:10.0pt'>www.ajg.com/uk</span></a></span><span =
style=3D'font-size:10.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
> </span><o:p></o:p></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'=
><img border=3D0 width=3D429 height=3D91 =
style=3D'width:4.4666in;height:.95in' id=3D"Picture_x0020_3" =
src=3D"cid:image001.jpg@01D6A874.EF44E230"></span><o:p></o:p></p></div><d=
iv><div style=3D'border:none;border-top:solid #E1E1E1 =
1.0pt;padding:3.0pt 0cm 0cm 0cm'><p class=3DMsoNormal><b><span =
lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span lang=3DEN-US =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> Natasha =
Jones <br><b>Sent:</b> 29 September 2020 11:28<br><b>To:</b> =
'bob@sarahharvey.com' <<a =
href=3D"mailto:bob@sarahharvey.com">bob@sarahharvey.com</a>><br><b>Sub=
ject:</b> Renewal Invite: Contact Reference: 11524793 - Sarah Harvey =
Limited</span><o:p></o:p></p></div></div><p><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Dear Mr =
Home, <br><br>Your <b>Commercial Combined Insurance Policy</b> is due =
for renewal on <b>15<sup>th</sup> October 2020</b> and I now have =
pleasure in attaching our formal renewal terms for the forthcoming =
policy period for your attention. <br><br>Please check the attached =
renewal terms to ensure all cover, sums insured and risk information =
remains correct and continues to meet your requirements. If there are =
any changes/alterations to be made please notify us immediately as this =
may affect your renewal terms and/or premium.<br><br>We have established =
that you may benefit from our optional additional service Gallagher =
Business Assist.<br><br>Gallagher Business Assist offers additional =
support to your business in the event that you suffer a qualifying =
insurance claim by providing an appointed loss controller to act on your =
behalf. Below is a summary of the service to help you to decide whether =
or not this product is suitable to meet your needs.<br><br><b><u>About =
Gallagher Business Assist</u></b></span><o:p></o:p></p><p =
style=3D'margin-bottom:12.0pt'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Insurers =
generally appoint Loss Adjusters to act on their behalf in the event of =
there being a large claim.<br><br>Gallagher Business Assist (Loss =
Recovery Service), is a service, which provides you with a loss =
controller to prepare and negotiate commercial Property &/or =
Business Interruption insurance claims on your behalf. The loss =
controller would be acting entirely in your interests as qualified =
claims professional.</span><o:p></o:p></p><p =
style=3D'margin-bottom:12.0pt'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>In the event =
that you suffer a property and/or business interruption claim of over =
=A310,000, this service can provide you with the following =
benefits;</span><o:p></o:p></p><ul type=3Ddisc><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>The =
appointment of one of our in-house Loss Controllers, all of whom are =
fully qualified Chartered Loss Adjusters and highly experienced in =
dealing with major &/or complex losses</span><o:p></o:p></li><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Representing =
your interests, in relation to your claim</span><o:p></o:p></li><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Providing =
immediate advice on what to do straight after the incident has happened, =
including site visits as appropriate</span><o:p></o:p></li><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Advising you =
on your options and entitlements under the terms of your qualifying =
policy</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Attending =
meetings with the insurer and their appointed loss adjusters/agents to =
present the claim in the most appropriate =
light</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Providing =
expert help on valuing, preparing, presenting and progressing the claim =
for the best chance of a speedy and successful =
outcome</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Advising on =
documentation and supporting evidence required to progress the =
claim</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Advising on =
how to avoid breaching your claims related policy conditions and =
steering you around common pitfalls and =
obstacles</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Negotiating =
interim payments on your behalf </span><o:p></o:p></li><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo3'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Challenging =
insurers and their representatives, when required, regarding =
interpretations that may limit or reduce the policy =
cover</span><o:p></o:p></li></ul><p style=3D'margin-bottom:12.0pt'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>There are =
some restrictions and conditions which apply to this =
service;</span><o:p></o:p></p><ul type=3Ddisc><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 =
level1 lfo6'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Property =
damage and business interruption claims under =A310,000 are =
excluded</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 =
level1 lfo6'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Excludes =
claims in respect of personal injury, liability, marine, aviation, =
motor, personal property or injury, or, civil proceedings and any claim =
outside mainland UK other than Isle of Man and Channel =
Islands</span><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 =
level1 lfo6'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>The claim =
must occur and be made during your policy term</span><o:p></o:p></li><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 =
level1 lfo6'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>In the event =
of a qualifying claim, your intention to utilise these services must be =
notified to us as soon as possible after the event. This however does =
not replace your obligations to notify your insurer/s of the =
Property/Business Interruption claim in question within any notification =
conditions set out in their policy or associated =
documentation.</span><o:p></o:p></li></ul><p =
style=3D'margin-bottom:12.0pt'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Please refer =
to the attached document for the full extent of the =
service.<br><br><b>Next Steps - Gallagher Business Assist</b><br>On this =
occasion, we have not provided you with a recommendation, guidance or =
advice as to whether the service is the most suitable for your needs. It =
is for you to decide whether this service meets your =
needs.<br><br>Gallagher Business Assist (GBA) is an exclusive offering =
to Arthur J. Gallagher Insurance Brokers Limited; we are the sole =
provider of this service. The annual cost for this service is stated =
below.</span><o:p></o:p></p><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D423 =
style=3D'width:317.0pt;border-collapse:collapse'><tr =
style=3D'height:15.75pt'><td width=3D179 =
style=3D'width:134.0pt;border:solid windowtext 1.0pt;padding:.75pt .75pt =
0cm .75pt;height:15.75pt'><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>S=
ervice Period</span><o:p></o:p></p></td><td width=3D165 =
style=3D'width:124.0pt;border:solid windowtext =
1.0pt;border-left:none;padding:.75pt .75pt 0cm .75pt;height:15.75pt'><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>P=
rovider</span><o:p></o:p></p></td><td width=3D79 =
style=3D'width:59.0pt;border:solid windowtext =
1.0pt;border-left:none;padding:.75pt .75pt 0cm .75pt;height:15.75pt'><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>S=
ervice Fee</span><o:p></o:p></p></td></tr><tr =
style=3D'height:15.75pt'><td width=3D179 =
style=3D'width:134.0pt;border:solid windowtext =
1.0pt;border-top:none;padding:.75pt .75pt 0cm .75pt;height:15.75pt'><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>1=
2 months from 15/10/2020</span><o:p></o:p></p></td><td width=3D165 =
style=3D'width:124.0pt;border-top:none;border-left:none;border-bottom:sol=
id windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt =
.75pt 0cm .75pt;height:15.75pt'><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>G=
allagher Business Assist</span><o:p></o:p></p></td><td width=3D79 =
style=3D'width:59.0pt;border-top:none;border-left:none;border-bottom:soli=
d windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt =
.75pt 0cm .75pt;height:15.75pt'><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>=A3=
105.00</span><o:p></o:p></p></td></tr><tr><td width=3D179 =
style=3D'width:134.0pt;padding:0cm 0cm 0cm 0cm'></td><td width=3D165 =
style=3D'width:124.0pt;padding:0cm 0cm 0cm 0cm'></td><td width=3D79 =
style=3D'width:59.0pt;padding:0cm 0cm 0cm 0cm'></td></tr></table><p =
style=3D'margin-bottom:12.0pt'><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Should you =
no longer require this service or believe that it no longer suits your =
needs please let us know.<br><br>I look forward to receiving your =
renewal instructions no later than the renewal date to ensure continuity =
of cover. <br><br>Kind Regards,</span><o:p></o:p></p><p =
style=3D'margin-bottom:12.0pt'><b><span =
style=3D'font-size:10.0pt;font-family:"Arial",sans-serif'>Tasha =
Jones</span></b><span =
style=3D'font-size:10.0pt;font-family:"Arial",sans-serif'><br>Senior =
Account Manager , SME & Personal Lines</span><o:p></o:p></p><p><span =
style=3D'font-size:10.0pt;font-family:"Arial",sans-serif;color:blue'><img=
border=3D0 width=3D246 height=3D70 =
style=3D'width:2.5583in;height:.725in' id=3D"Picture_x0020_1" =
src=3D"cid:image002.gif@01D6A874.EF44E230"></span><u><span =
style=3D'font-size:10.0pt;font-family:"Arial",sans-serif;color:blue'><br>=
</span></u><span =
style=3D'font-size:10.0pt;font-family:"Arial",sans-serif'><br><span =
class=3DMsoHyperlink>Direct: 01443 502 655</span><u><span =
style=3D'color:blue'><br><span class=3DMsoHyperlink><a =
href=3D"mailto:Natasha_Jones@ajg.com">Natasha_Jones@ajg.com</a> =
</span></span></u><br><br><b>Gallagher</b><br>Magden Park | Green Meadow =
| Llantrisant | CF72 8XL<br><a =
href=3D"www.ajg.com/uk">www.ajg.com/uk</a><br><span =
style=3D'color:blue'><img border=3D0 width=3D428 height=3D88 =
style=3D'width:4.4583in;height:.9166in' id=3D"Picture_x0020_2" =
src=3D"cid:image003.jpg@01D6A874.EF44E230"></span></span><o:p></o:p></p><=
p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'><br>This =
email is being sent by a subsidiary of Arthur J. Gallagher Holdings (UK) =
Limited, part of the Arthur J. Gallagher & Co. global group of =
companies. For details of the registered office, company number and, =
where applicable, regulated status of our subsidiaries, please visit <a =
href=3D"https://www.ajginternational.com/legal-regulatory-information/">h=
ttps://www.ajginternational.com/legal-regulatory-information/</a>. =
<br><br>We are the data controller of any personal information you =
provide to us or personal information that has been provided to us by a =
third party. We collect and process information about you in order to =
arrange insurance policies and to process claims. Your information is =
also used for business purposes such as fraud prevention and detection =
and financial management. This may involve sharing your information with =
third parties such as insurers, reinsurers, other brokers, claims =
handlers, loss adjusters, credit reference agencies, service providers, =
professional advisors, our regulators, police and government agencies or =
fraud prevention agencies. <br><br>We may record telephone calls to help =
us monitor and improve the service we provide. For further information =
on how your information is used and your rights in relation to your =
information please see our privacy notice at <a =
href=3D"https://www.ajginternational.com/Privacy-Policy/">https://www.ajg=
international.com/Privacy-Policy/</a>. If you are providing personal =
data of another individual to us, you must tell them you are providing =
their information to us and show them a copy of this notice. =
<br><br>Where you are obtaining a non-consumer policy of (re)insurance, =
or cover for additional risks or renewal under an existing policy, you =
are required to make a fair presentation of the risk to a (re)insurer =
which discloses every material circumstance which you know or ought to =
know relating to the risk to be insured. A circumstance is material if =
it would influence the judgment of a prudent insurer in determining =
whether to provide insurance for the risk and, if so, on what terms. =
Disclosure must be reasonably clear and accessible to a prudent insurer =
and made in good faith. The aforementioned duty of disclosure is the =
applicable duty under the laws of England and Wales. If your policy is =
not subject to English law you are expected to disclose risk information =
in accordance with the requirements of the applicable law. In such =
circumstances we expect you will disclose risk information at least =
equal to the standard required under English law and where the =
applicable law requires you to disclose information over and above the =
level required under English law you will provide such information in =
accordance with that law.<br><br>Where you are obtaining a consumer =
policy of insurance, you must read each question and answer honestly and =
fully and must take reasonable care to not make a misrepresentation. =
<br><br>Failure to comply with the above disclosure requirements, as =
they apply to you, could mean that your policy of (re)insurance is void, =
its terms are materially altered or that (re)insurers are not liable to =
pay all or part of your claim(s). If you are in any doubt as to your =
obligations you should ask your usual contact.<br><br>This e-mail and =
any attachments are CONFIDENTIAL and may contain legally privileged =
information. If you are not the intended recipient of this e-mail =
message, please telephone or e-mail us immediately, delete this message =
from your system and do not read, copy, distribute, disclose or =
otherwise use this e-mail message and any attachments. Although the =
above company has taken reasonable precautions to ensure this e-mail and =
any attachments are free of any virus or other defect that may affect =
your computer, it is the responsibility of the recipient to ensure that =
it is virus free and the above company does not accept any =
responsibility for any loss or damage arising in any way from its =
use.</span><o:p></o:p></p></div><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'><br>This =
email is being sent by a subsidiary of Arthur J. Gallagher Holdings (UK) =
Limited, part of the Arthur J. Gallagher & Co. global group of =
companies. For details of the registered office, company number and, =
where applicable, regulated status of our subsidiaries, please visit <a =
href=3D"https://www.ajginternational.com/legal-regulatory-information/">h=
ttps://www.ajginternational.com/legal-regulatory-information/</a>. =
<br><br>We are the data controller of any personal information you =
provide to us or personal information that has been provided to us by a =
third party. We collect and process information about you in order to =
arrange insurance policies and to process claims. Your information is =
also used for business purposes such as fraud prevention and detection =
and financial management. This may involve sharing your information with =
third parties such as insurers, reinsurers, other brokers, claims =
handlers, loss adjusters, credit reference agencies, service providers, =
professional advisors, our regulators, police and government agencies or =
fraud prevention agencies. <br><br>We may record telephone calls to help =
us monitor and improve the service we provide. For further information =
on how your information is used and your rights in relation to your =
information please see our privacy notice at <a =
href=3D"https://www.ajginternational.com/Privacy-Policy/">https://www.ajg=
international.com/Privacy-Policy/</a>. If you are providing personal =
data of another individual to us, you must tell them you are providing =
their information to us and show them a copy of this notice. =
<br><br>Where you are obtaining a non-consumer policy of (re)insurance, =
or cover for additional risks or renewal under an existing policy, you =
are required to make a fair presentation of the risk to a (re)insurer =
which discloses every material circumstance which you know or ought to =
know relating to the risk to be insured. A circumstance is material if =
it would influence the judgment of a prudent insurer in determining =
whether to provide insurance for the risk and, if so, on what terms. =
Disclosure must be reasonably clear and accessible to a prudent insurer =
and made in good faith. The aforementioned duty of disclosure is the =
applicable duty under the laws of England and Wales. If your policy is =
not subject to English law you are expected to disclose risk information =
in accordance with the requirements of the applicable law. In such =
circumstances we expect you will disclose risk information at least =
equal to the standard required under English law and where the =
applicable law requires you to disclose information over and above the =
level required under English law you will provide such information in =
accordance with that law.<br><br>Where you are obtaining a consumer =
policy of insurance, you must read each question and answer honestly and =
fully and must take reasonable care to not make a misrepresentation. =
<br><br>Failure to comply with the above disclosure requirements, as =
they apply to you, could mean that your policy of (re)insurance is void, =
its terms are materially altered or that (re)insurers are not liable to =
pay all or part of your claim(s). If you are in any doubt as to your =
obligations you should ask your usual contact.<br><br>This e-mail and =
any attachments are CONFIDENTIAL and may contain legally privileged =
information. If you are not the intended recipient of this e-mail =
message, please telephone or e-mail us immediately, delete this message =
from your system and do not read, copy, distribute, disclose or =
otherwise use this e-mail message and any attachments. Although the =
above company has taken reasonable precautions to ensure this e-mail and =
any attachments are free of any virus or other defect that may affect =
your computer, it is the responsibility of the recipient to ensure that =
it is virus free and the above company does not accept any =
responsibility for any loss or damage arising in any way from its =
use.<o:p></o:p></span></p></div></body></html>
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