Cares The partnership approach to employers’ liability insurance Cares The partnership approach to employers’ liability insurance Cares has been developed for clients who recognise the importance of risk management strategies and want their insurers to support and reward them for good practice. Partnership Improving risk profile and Dedicated underwriting Cares delivers a partnership approach to financial performance By providing dedicated underwriting and employers’ liability insurance through an The Cares product from QBE aims risk control managers, as well as individual active dialogue with all stakeholders on to make a significant contribution to claims handling arrangements we ensure workplace safety and well-being. Its risk a company’s financial performance, a united approach to rehabilitation, as well prevention and incentives programme particularly to its overall profitability. Its as a long term commitment and pay-back rewards good management and the long term benefit is improvement of the to clients. rehabilitation philosophy accelerates an organisation’s risk profile and helping employees return to work. This minimises valuable employees back to work. both the cost of individual claims and the consequential disruption to business that accompanies accidents at work. Meeting clients’ needs Our approach addresses many of the 6 concerns clients have when purchasing 2 employers’ liability cover from insurers, including 1 • Rewarding those who have invested heavily in risk management 3 5 • We take an active interest in the client’s business throughout all stages of the 4 relationship and place a great emphasis upon client retention • We are always looking for solutions to problems without placing unreasonable and impractical demands on how to improve the situation • Helping clients budget their premiums so they can plan from one year to the Our approach at QBE is to understand the 1. Assured and valued employees next client’s individual requirements and develop 2. Broker a strategy that actively involves them in the • Providing a full detailed analysis of any management of risk and promotion of active 3. QBE account managers claims experiences and explain how risk management within the workplace. outstanding estimates are determined 4. Risk management providers • Showing how clients can reduce costs 5. Appointed loss adjusters that are not insured. 6. Rehabilitation specialists QBE recognises the What does Cares provide? • A proactive rather than reactive importance of the broker • Top quality risk management advice claims service and client relationship and assistance • A practical approach to rehabilitation, We recognise the importance of the broker minimising claims costs and overall • A financial bonus that rewards risk interruption to business and client relationship and have developed management implementation Cares so that we can further enhance and • A flexible bespoke solution tailored support it. Our underwriters and other key • A commitment not to penalise for to each individual’s needs, focusing stakeholders will commit to working with the unfortunate incidents that do on prevention of claims, welfare of you, to identify and manage the risk on an occur in the workplace and for which employees, feedback and consultation on-going basis and we are committed to insurance is designed to cover with insurers overseen by an overall developing a long-term mutually beneficial account manager • An open dialogue between clients, partnership. brokers, insurers and their • A competitively priced product that representatives including risk Exclusivity managers and loss adjusters, aims to make a significant contribution to a company’s financial performance, To demonstrate our belief in this approach, with no hidden secrets or surprises corporate and social responsibility. we have made Cares an exclusive product. We will offer an exclusive quote, ensuring stability and security throughout the agreement and enhancing the quality of service and support we provide. Our underwriters are fully empowered and supported by a wealth of actuarial, technical and administrative support, enabling us to provide robust and sustainable solutions to all of our clients, at all stages of the relationship. We are committed to meeting client service requirements for policy documentation, claims handling and review meetings and consideration of mid-term amendments to coverage or policy structure. We actively seek to establish a strong Your commitment Casualty tripartite relationship, involving clients and brokers alike in all elements of our service To participate in the Cares programme QBE are recognised as a market leader proposition. Constant review of client we ask that you and your client agree to a for Casualty solutions across the UK. We requirements and regular communication multi-year programme and the completion have built on our reputation as the largest allow our suite of services to develop in of the agreed risk management programme. Casualty insurer in the London marketplace line with the evolution of our extensive with dedicated underwriters based in all the client base. If the concept of rehabilitation and risk key locations around the UK. management appeals then Cares from QBE may offer a solution. Please talk to We provide high level proactive account one of our underwriters for more information management, liaising closely with colleagues or visit www.QBEeurope.com/casualty within the risk management, claims and rehabilitation teams. About QBE QBE Insurance Group is one of the world’s Standard & Poor’s insurer financial strength Glasgow leading insurers and reinsurers, with offices and counterparty credit rating for QBE’s Graeme McHugh BA (Hons) AIRM ACII in 47 countries around the globe and a main insurance subsidiaries is A+ (Stable). Chartered Insurer presence in all the key insurance markets. Fitch Ratings insurer financial strength rating Senior Casualty Underwriter Our experience goes back more than for QBE’s main underwriting subsidiaries Direct line: +44 (0)141 227 1503 120 years, and we have over 13,000 staff is A+ (Stable), and the agency has also E-mail: email@example.com worldwide. We are market leaders in the affirmed a long-term credit rating at A. Their vast majority of products we offer, with a outlook for all ratings is Stable. A.M. Best Ireland strong and growing market presence. assigned the financial strength rating of the Gerry Ambrose FCII, MBA QBE Group of companies A (Excellent). Underwriting Manager European presence Direct line: +353 (0)1 605 3642 QBE arrived in London in 1904. QBE Birmingham E-mail: firstname.lastname@example.org Steve Field ACII European Operations now covers 18 Senior Casualty Underwriter Leeds countries right across Europe, employing Direct line: +44 (0)121 710 1711 Mark Bower ACII MIIRSM, more than 2,800 people, with a unique E-mail: email@example.com Chartered Insurer Tech IOSH ability to interpret each marketplace. Senior Casualty Underwriter All-round excellence Bristol Direct line: +44 (0)113 290 6657 Mark Baker AIIRSM E-mail: firstname.lastname@example.org You can judge the size and strength Senior Casualty Underwriter of a company by the ratings it keeps. Direct line: +44 (0)117 910 6836 London We are pleased to be rated as follows: E-mail: email@example.com Steve Adcock Portfolio Manager Standard & Poor’s A+ Chelmsford Direct line: +44 (0)20 7105 4189 Fitch Ratings A+ Andrew Brand E-mail: firstname.lastname@example.org A.M. Best A (Excellent) Senior Casualty Underwriter Direct line: +44 (0)1245 272 605 Manchester E-mail: email@example.com Rob Moores AIIRSM Senior Casualty Underwriter Direct line: +44 (0)161 838 7301 Intended for broker use only. E-mail: firstname.lastname@example.org Please refer to our policy wordings for our terms and conditions and any exclusions that might apply. QBE European Operations Plantation Place 30 Fenchurch Street London EC3M 3BD tel +44 (0)20 7105 4000 fax +44 (0)20 7105 4019 email@example.com www.QBEeurope.com 1573/CARES/BROCHURE/MAR2010 QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited.