Public Sector

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Public Sector
insurance

“Public sector organisations often struggle to get insurance cover that truly ticks all the boxes. That’s why we are committed to offering dedicated public sector insurance services.”

Shelly Brennan
Head of Public Sector

Work with us, and we will deliver competitive premiums with wider cover and bespoke, relevant wordings. You will get cost-effective cover and peace of mind if you ever need to make a claim.

A dedicated professional will look after your interests and will always be on hand to offer tailored advice.

Core services we offer

  • Technical cover critiques
  • Gap analysis
  • Full claims management service
  • Risk management support and training
We are here to help you.
Contact us via email at Shelley.brennan@jameshallam.co.uk

Claims example

We carried out a detailed claims investigation of a public liability claim that was alleged to have occurred at one of the Public Sector organisation’s premises. We produced a report that summarised:

  • Details of the allegation
  • Scope of investigation
  • An investigation into the area where the alleged incident occurred
  • Review of the organisation’s existing procedures
  • Summary of evidence/lack of evidence

This report was shared with the organisation and their insurers and resulted in the liability claim being denied.

The allegations from the pursuer could have easily been accepted by the insurer on the balance of probability. It was claimed that lights were turned off as the premises was closing leading to the pursuer falling down steps causing injury.

As the insurer is not familiar with the premises and as it was genuinely around closing time that the alleged incident happened, it would have been easy for the insurer to accept the allegations and make an economic decision to deal with the claim on best terms. As the claim was relatively low value, the insurer was never going to appoint a loss adjuster or claims inspector to undertake a locus investigation to establish liability.

Our experienced claims investigator was able to conduct a thorough site visit with the support of the Public Sector organisation, interview relevant staff members and gather key evidence that clearly showed that the allegations made by the pursuer could not possibly have been true. By undertaking this investigation it also removed the burden from the Public Sector organisation in having to take steps to gather evidence to defend the claim.

Following receipt of our report the insurer immediately issued the pursuer’s solicitors with a firm denial of liability and nothing further has been heard from the solicitors since. It was key that these investigations were undertaken early in the life of the claim as a strong denial to solicitors early makes them think twice about further investing in pursuing the claim and increases the likelihood of successfully defeating the claim.

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Nigel Roberts

Executive Director – Head of London Markets

Nigel started his career with a traditional Marine Lloyd’s Broker in the late 1970s and with a break of 5 years around 2000 when he worked in the UK Commercial Insurance Retail markets, he has spent the rest of his career dedicated to marine insurance and reinsurance clients. The 15 years prior to joining Everard in March 2021 he held positions as Managing Director and Deputy CEO of two Lloyd’s brokers. Nigel has dealt with all classes of the transportation chain and specialises in Hull & Machinery, Protection & Indemnity and water’s edge industries including Ports, Terminals, Shipbuilding and repair yards.

T: 0207 977 7841
M: 07518 913404
nigel.roberts@everardinsurance.co.uk

Justyn Lemar

Marine Trades Division Manager

Justyn started in the Insurance Industry in 1998 as a general insurance broker before progressing into an account executive. Between 2003 and 2007 he broadened his insurance knowledge and took up an underwriting role. Justyn joined Everard insurance brokers in 2014 as an account executive and was appointed Marine Trades manager in 2017. He specialises in Marine Property & Plant, Marine Engineering, Marine Equipment, Marine Liabilities, Marinas & Harbours. Underwriting renewals and new business for our retail division including referrals. He manages and provides insurance solutions for wholesale brokers. Justyn has overall responsibility for the binding authority and is coverholder on behalf of a leading Marine Liability Lloyds syndicate. Justyn services marine trade clients in the UK, EU and Internationally.

T: 01732 224698
M: 07837 006962
justyn.lemar@everardinsurance.co.uk

Brendon Ladner

Marine Small Craft Division Manager

Brendon has worked in the insurance industry since 2013 when he started at a national brokers servicing private clients. Brendon then went onto work for a local broker in 2016 who specialised in marine insurance, predominantly small craft. Having lived near to the Fishing Port of Newlyn his whole life, Brendon grew up with a passion of the fishing industry and so the new role seemed a perfect fit due to the amount of fishing boats insured. This broker was acquired by James Hallam, the parent company of Everard in May 2021 and combining the knowledge of the two companies was fundamental in creating a new Small Craft Division which Brendon now heads up. His team will look for quotes on any vessel including private & pleasure, fishing, any other commercial, both in the UK and Internationally.

T: 01736 805004
brendon.ladner@everardinsurance.co.uk