Sentio Insurance Brokers is a privately owned business created by individuals who have worked in senior positons for major international and UK Regional insurance brokers, bringing this experience, knowledge and passion to support their clients. 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 bespoke insurance programmes and an integrated approach to the management of risk, specific to their needs – ‘Delivering Protection, Supporting Growth’.
Our Experience and Proposition
Our senior team has over 85 years’ insurance and risk experience between them and know that many commercial and private clients still require a bespoke service which can deliver in three key areas and form the basis of our proposition to them:
We will deliver comprehensive solutions for our clients offering value for money and competitive insurance premiums
We will deliver insurance and risk management programmes which are aligned to the risk profile of our clients and will never compromise cover for cost
We will deliver outstanding service for our clients, always responsive, always personal
Supporting us are Momentum Broker Solutions who provide invaluable access to insurer markets and broking capability enabling us to compete on a national level and access over 200 insurer markets including local, London and Lloyds. Unlike some brokers, we are not tied to specific insurers but select insurers on the basis of the most appropriate policy wordings and cover for a risk, and not on the broker earnings from working with them. Between Sentio and Momentum we have over 30 staff focussed on supporting our clients.
Our 5 Core Principles
We pride ourselves in acting with professionalism, integrity and respect. Our 5 core principles form the foundation on which we operate and by establishing these at the heart of our business we have set a high level of service as the standard which our clients can expect. These principles are in conjunction with the FCA’s Code of Conduct and Principles for Business which form a sound foundation on which to operate.
Meet The Directors
Richard Waltier MBA CertCII
+44 (0) 7816 284263
+44 (0) 121 213 6420
The Founding director of Sentio and a former army officer, Richard has over 30 years’ experience in risk and insurance, previously holding senior leadership roles in industry, global insurance brokers Marsh and Willis before being on the board of a regional insurance broker.
With an MBA from a leading British Business School, Richard has worked within plc and owner managed companies, contributing to their growth and directly supporting major change and business turnaround projects. Prior to working within insurance, Richard was a senior manager within industry and understands clients’ issues, which gives him a unique insight into the typical risk exposures clients face and solutions available to improve their risk profiles.
Richard is passionate about the Sentio business and supporting their clients and his own staff, something which he feels many of the larger consolidator brokers have now lost the personal touch for.
A family man with 3 boys, out of the office Richard is an active trustee of a neuromuscular charity and keen sportsman, particularly rugby (spectating now rather than playing!). He also enjoys walking, skiing and anything on or around water, being on his boat when he very occasionally finds the time!
Caroline Fairclough ACII Chartered Insurance Broker
+44 (0) 7393 460217
+44 (0) 121 213 6420
The co-founder of Sentio, Caroline has worked within the insurance industry for over 13 years in the broking sector and has worked for both global brokers (Aon) and regional independent brokers during that time. She has advised various clients across a range of sectors but Caroline’s specialism is predominantly real estate.
Within real estate Caroline has worked with clients varying from individual property owners through to multimillion pound portfolios, including bespoke delegated authority schemes, and is extremely experienced in analysing policy wordings to ensure clients are best protected.
Caroline is very experienced in project management, risk profiling and delivering large complex insurance programmes to her clients. She is passionate, driven and well organised, and takes pride in delivering a high technical level of advice.
Outside of work, Caroline is happily married and an avid tennis fan who attends Wimbledon each year, plays the piano and is a regular church goer.
Graham Heath MIRM NEBOSH
Risk Management Director
+44 (0) 7950 603675
+44 (0) 121 213 6420
Graham is a seasoned risk manager, having spent many years in the risk and insurance industry. In 2000 he launched Calculated Risks, a respected UK based risk management consultancy. He ran Calculated Risks until 2009, when he took a senior Risk Management Director role for Aon Global Risk Consulting, a role he occupied for over five years. He is now the Risk Management Director for Sentio Risk, supporting our clients and coordinating our risk management activities and programmes.