On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects.
Our Services
Sentio Insurance Brokers is a privately owned independent business that specialises in arranging business and personal insurance solutions for a diverse range of clients. We value our clients and deliver a bespoke, high level of service to them to ensure they are well protected and can have complete peace of mind.
We have considerable experience across a number of different sectors recognising that no two businesses are the same. We gain an understanding of our client’s risk profile/exposures and design and implement risk and insurance programme solutions that ensure our clients are well protected. We work with specialist insurers who have bespoke insurance policy wordings for particular sectors. Our sector expertise includes but is not limited to, manufacturing & engineering, distribution & logistics, retail, technology, construction, professions, hospitality & events.
We specialise in Real Estate and offer a wide number of bespoke solutions to a range of property sector clients from individual investors, multi-let landlords, portfolio landlords, developers and managing & letting agents. Whether it be commercial, residential or mixed portfolios we will find the right bespoke policy for you with the widest possible wordings to give piece of mind that your assets are safe.
Our experience and understanding of care organisations, not for profit companies and charities means that we can offer bespoke insurance programmes to our clients which protect against the risks they face. Your focus is on delivering the valuable services you were set up for and we work to ensure you can focus on doing just that whilst ensuring every pound spent on insurance is not wasted and you get value for money. We won’t pigeonhole our clients and will take the time to understand the specific activities they deliver.
We recognise that your home, contents and personal assets are the most important things to you. We can provide tailor made bespoke insurance policies through leading specialist insurers which protect your home, its contents and other valuable assets such as motor vehicles, boats, caravans, collections and second homes. We also provide legal expenses cover and individual/family travel policies which give cover worldwide and for all types of activities.
About Us
Sentio Insurance Brokers is a privately owned business created by individuals who have worked in senior positons for major international insurance brokers bringing this experience and passion to support their clients. Indeed, our clients are the focal point of everything we do and the reason for our existence, our ‘life and soul’. The Latin word “Sentio” means to hear, perceive, understand or experience which forms the basis of what we do, taking time to listen to our clients, understand their needs and deliver them an integrated approach to the management of risk and bespoke insurance programmes specific to their needs – ‘Delivering Protection, Supporting Growth’.
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It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines.
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