Insurance Brokers Editing and Proofreading Services

Two years after placing the cover, a client suffers a loss that is excluded and asks the broker why. The broker remembers the market being difficult, remembers approaching several insurers, and remembers that this was the best available. None of that is written down anywhere, and the conversation is now about whether the broker did their job.

We edit what insurance brokers produce — market exercise and placing records, demands and needs statements, advice and recommendation letters, renewal reports and remarketing summaries, presentations of risk to underwriters, client-facing summaries of cover and its gaps, and the correspondence that follows a declined or disputed claim. Our editors work on the record that explains a placement years later.

The market exercise record is what protects a broker and serves a client, and its failure is a recommendation with no account of what else was available. A client cannot judge a placement without knowing what it was chosen against. We work through these so every insurer approached is listed with the date and the outcome — quoted, declined, or did not respond — since a placement that looks unimpressive alone looks entirely different against four declinatures; so the reason each declined is recorded in the insurer's own words where given, because these reasons are the market's view of the risk and are worth more to the client than any commentary; so the quotations obtained are compared on the terms that actually differ rather than on premium alone, given that a cheaper quote with a higher excess, a narrower operative clause and an added exclusion is not cheaper; so the recommendation states why this one and not the second one, as this is the sentence the client will want in two years; so any gap between what the client asked for and what the market would provide is stated plainly and acknowledged by the client, since an unavailable cover is not a broker's failure but an unrecorded one becomes one; so the client's own decisions are recorded — the cover declined on cost, the sum insured they chose — with the date; so anything the client told the broker that shaped the placement is documented; and so the summary of cover leads with the significant exclusions rather than the benefits. Records kept this way answer the question that arrives with a claim.

Everything you send is treated in confidence, including placing files, premiums, client information and claims correspondence. We are editors rather than brokers, underwriters or regulators, and we give no advice on cover and offer no view on any placement or claim. What we can do is make the file explain the decision.