INSURANCE

SERVICES
Version: 2020-21
CONTENTS
Introduction 01

BUSINESS INSURANCE 05
Manufacturing & Wholesale 07
Professions 08
Engineering 09
Retailers 10
Warehousing & Distribution 11
Contractors 12
Landlords & Property 13

CONSTRUCTION 15
Contract Works 17
Liability 18
Performance Bonds 19
Demolition & Scaffolding 20

FLEET 21
Company Car Fleet 23
HGV & Haulage 23
Special Vehicle Types 24
Concrete 24
Distressed Fleets 25
Fleet Risk Management 26

PRIVATE CLIENTS 27

CLAIMS 29
Claims Services 31
Claims Contact Numbers 32
 INTR

HSES are leading specialists in the delivery of compliance and

business services to industry and organisations throughout the UK.
Our Head Quarters are based in Hammersmith, London with
regional offices in Nottingham and Glasgow City Centres.
Our Qualified Consultants provide offer turnkey support services
to ensure our clients manage compliance and risk management
throughout their business.
Our Products, Services and Solutions are offered for assured
compliance in multiple sectors including:
HR - Safety – Environment - Security - ISO - eLearning & Training
- Bid & Tender Management - Insurance

01
RODUCTION

Our Clients mean the world to us, we treat them as part of our family
and strive to ensure that we offer products, services, and solutions
tailored to their individual compliance requirement
Our Proven Track Record working with a huge variety of clients
across many industries gives us a wide range of understanding of our
client’s compliance requirements.
Our Impressive Client List includes large organisations, blue chip
companies, SME’s, and private clients for whom we successfully
deliver compliance solutions.

02
 HSES CONSULTANCY INSURANCE
SERVICES

We access the Compass Network, it is the leading broker network in

the UK, looking after insurance premiums totalling over £660 million,
when we are working on your behalf with insurers our membership of
Compass is uppermost in their minds. Not only do our clients benefit
from the competitive premiums that we are able to pass on but also
through our access to enhanced insurance products and additional
industry know how and support.
We promise you real people, who can listen, who understand your
industry and can give you honest advice and specialist knowledge with a
friendly and informal approach.
Plain speaking and quick responses providing policies relevant to your
business and within your budget.
In depth claim support that will fight your corner, whatever it takes.
National coverage but with a local flavour (backed up by the country’s
largest Insurance broking
network) through one of the
youngest brokers to achieve HSES Insurance is a trading name
Insurance Age Top 100 Status, of HSES Consultancy which is
Amicus Insurance Solutions. an appointed representative
of Amicus Insurance Solutions
Innovative and creative
Limited who are authorised and
solutions, no tick box
regulated by the Financial Conduct
approaches and offering
Authority. FCA number 525018.
“A” rated Insurers with no
Head Office: 12 Endeavour
call centres, a truly personal
Square, London, E20 1JN
service.

03
We specialise in:
yy Construction Insurance - particularly Scaffolders, Roofers, Demolition
Contractors and Concrete suppliers
yy Manufacturing, Warehousing and Retail Insurance
yy Haulage, including Waste Haulage & Skip Hire and Fleets
yy Automobile, Aviation, Property and Liability covers to Business,
Industry, Manufacturing and Retail
We promise you:
yy Real people, who can listen, who understand your industry and can
give you honest advice
yy Specialist knowledge with a friendly and informal approach
yy Plain speaking and quick responses
yy Providing policies relevant to your business and within your budget
yy In depth claim support that will fight your corner, whatever it takes
yy National coverage but with a local flavour (backed up by the country’s
largest Insurance broking network)
yy Innovative and creative solutions
yy No tick box approaches
yy “A” rated Insurers
yy No call centres
yy A truly personal service.

04
 BUSINESS
INSURANCE
05
HSES Consultancy offers a refreshingly different approach to to the
standard Insurance Broker methodology, we focus our energies on business
insurance, typically for companies who trade in England and Wales with
an annual turnover of between £1million and £100million. Because of this
we have developed an extensive network of underwriters who provide the
specialist policies needed for the industry sectors we work in. We know them
very well, we know what they look for, we know the questions they will ask
and we know their appetite for risk. It is these strong trading relationships,
combined with our wealth of experience which enables us to source the best
policies possible for your specific insurance needs.

When you become an HSES client you will be allocated a senior partner or
director to deal with for all your requirements, they are supported by an
experienced team of insurance professionals. Our entire team cares about
the quality of service our clients receive, we employ people for that very
characteristic.

The kind of people who choose to stay back a little bit longer to complete
task or meet a deadline, who follow up just to make sure everything is OK and
who can put themselves in your shoes and think what would be most helpful
to you. You will enjoy the peace of mind of knowing you are being looked after
by someone who truly cares.

06
 MANUFACTURING &
WHOLESALE

Times have changed for UK manufacturing. It is no longer the powerhouse

of industry it once was due to cheaper outsourcing options, but for HSES
Consultancy it is still a very important and valued market. We have moved
with the times too and while we can still recall the glory days of manufacturing
we know that firms today need different types of policies. We know which
underwriters can provide the right policies and we go directly to them, getting
a very quick and painless answer and price.

Our extensive range of covers make sure your insurance quote is always
related to your business risks, as well as your budget. That way you have the
peace of mind of knowing that you are fully protected for all your business
activities.

We offer wide-ranging and flexible policies and can include specialist covers
that not all brokers have access to. Should the worst happen and you need to
make a claim our dedicated in house claims team will look after everything on
your behalf to ensure you receive a fair and prompt settlement.

We can also advise on shipping and stock throughput to provide cover across
the entire supply chain.

07
PROFESSIONS

As a professional you work hard to help and advise your clients in your chosen
area of expertise, it can be hard to find the time to concentrate on your own
business. It is vital though, to make time to ensure that you have the right
insurance covers in place to protect your livelihood, we can help.

At HSES Consultancy we are committed to delivering customer service

of the highest quality, every HSES client is allocated a senior partner or
director, and it is this person they deal with for all their requirements. They
will understand your business and the industry you operate in and have the
experience and expertise required to accurately asses your risk. We have an
extensive network of underwriters who provide the specialist policies that will
be most appropriate for you.

We know these underwriters really well and understand the questions they
will ask and their appetite for risk. Working in partnership with them we will
create an insurance solution that exactly matches your needs, our policies
are flexible with wide wordings and we can offer specialist covers that not all
brokers have access to. We will also be on hand throughout the lifetime of your
policy to offer support and advice and to make any changes to cover quickly
when required. Should the worst happen our dedicated in-house claims team
will handle everything on your behalf, from help with completing claims forms
through to ensuring a prompt and fair settlement.

08
 ENGINEERING

The risks faced by engineering companies are complex and varied, from
mechanical and electrical breakdown of machinery and plant equipment to
self-damage and damage to surrounding property. When buying insurance
you need to feel confident that your insurance broker understands your
business and the risks you face when they are placing cover, otherwise you
could find yourself exposed if you do need to make a claim.
At HSES Consultancy we have real expertise in your field, we fully
understand the market and we will stringently check policy wordings until we
find exactly the right policy for you. We work closely with a specialist network
of underwriters to provide wide-ranging flexible covers at competitive prices.
When you become an HSES client you will be allocated a senior partner or
director who will look after all your requirements. This ensures that you are
always speaking with someone who knows your businesss, whatever the nature
of the query, and can make quick decisions with complete accountability. Of
course the real test of any insurance policy is how it performs in the event of
a claim and we pride ourselves on always dealing with claims quickly and pro-
actively, we have very strong relationships with our partner insurers and will
work tirelessly until we achieve a fair settlement. We will keep in touch with you
throughout the duration of a claim to ensure that your business disruption is
kept to a minimum.

09
RETAILERS

The retail industry works around the clock, it is a high pressure sector and
retailers face their very own particular set of risks. In order to protect yourself
fully against these risks you need to work with an Insurance Broker who fully
understands your industry. HSES Consultancy have a wealth of experience
of arranging covers for retailers of all types, from single location operations
to High Street chains and household name brands. We work closely with a
specially selected network of underwriters who specialise in retail insurance.
We know them very well, we know what they look for, what questions they will
ask and we understand their appetite for risk. This means that once we have
gathered all the information that we need from you, we can approach the best
providers for your requirements, get a quick yes or no response and get back
to you.

The policies that we arrange are all flexible with wide wordings and can be
tailored specifically to suit your needs. In addition to all the standard covers
you would expect, we have access to more specialised options that may be
not be available to other brokers. If the worst happens and you need to make
a claim, our in-house claims team will be on hand to help you every step of the
way from initial notification through to achieving a fair and prompt settlement.
We will keep in touch with you throughout the duration of a claim to ensure
that your business disruption is kept to a minimum.

JEWELER’S BLOCK

Jewelery insurance has its own particular set of requirements. HSES

Consultancy is able to obtain the specialist covers needed by retailers,
wholesalers and manufacturers in a cost effective way, that can save you
money whilst ensuring that you enjoy the highest levels of protection.

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 WAREHOUSING &
DISTRIBUTION

Warehousing and distribution plays a vital role in so many supply chains, as

such it is a fast-paced and highly pressurised world, so when things go wrong
you need an insurance broker who really understands your business and will
act quickly to help you put things right.

At HSES Consultancy our unique approach to business will make sure of

both. We focus our energies on a key number of specialist commercial sectors
and have gained an enormous wealth of knowledge and experience in these
areas. To support us , we have built up an extensive network of specialist
underwriters who are also experts in their field. We know these underwriters
really well and understand their appetite for risk and their strengths in different
areas.

We will only approach the best providers for your specific needs and come
back to you quickly with a response. We can arrange cover on your own goods
or those you are storing for others, at your warehouse and on their onward
journey, we can also talk to you about more complex liability covers.

Speed of response is something that you will continue to enjoy throughout the
lifetime of your policy. When you become an HSES client you will be allocated
a senior partner or director who will get to know you and your business and
look after your every requirement. We want you to consider us as part of your
“team”.

11
CONTRACTORS

Whether you are self-employed or run a small business, as a contractor it is

vital to have adequate protection for you and your clients, at your premises
and on-site. At HSES Consultancy we have a different approach to a lot of
brokers, we only deal in commercial trades in which we have experience and
have built up a network of underwriters who are experts in their field. Our well
established trading relationships allow us access to specialist insurers who are
able to provide cover for high risk and harder to place trades, and we know the
underwriters well and understand what they are looking for. We understand
too, that in your business you need quick answers and we pride ourselves on
our no-nonsense approach, we will get back to you quickly whatever the reply.

Once you become an HSES client we will allocate a senior partner or director
to look after you throughout the lifetime of your ploicy meaning that you
have access to someone who knows your business well and can make quick
decisions with full accountability. Of course the true test of insurance is how it
performs in the event of a claim and our dedicated in house claims team will
work tirelessly on your behalf to achieve a prompt and fair settlement with
minimum disruption.

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 LANDLORDS &
PROPERTY

As a landlord whether you have one small flat or an extensive portfolio of

properties it is vital to have adequate protection in place to safeguard
your investment. When arranging insurance for your property you need an
experienced broker who really understands your world. HSES Consultancy
have a different approach to most other brokers, we focus our energies on
commercial clients in certain sectors and as a result we know those sectors
incredibly well. We have developed an extensive network of underwriters who
provide the specialist policies for the areas we work in, we’ve got to know them
and their risk appetite very well. This means we don’t waste time approaching
the wrong markets when placing cover, nor do we try to squeeze you into the
nearest policy that fits.
We will find you exactly the right policy for you and come back to you quickly
with the information. Once you become a client you will be allocated a senior
partner or director who will look after your requirements through the lifetime
of your policy, this means that you will always have access to someone who
understands your business and can make quick decisions with complete
accountability. Should you need to make a claim our highly experienced, in-
house claims team will work tirelessly on your behalf to achieve a fair and
prompt settlement, keeping disruption to a minimum.

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14
CONSTRUCTION

15
HSES Consultancy were formed as a specialist broker to the construction
industry. It’s what we are known for and what we do best. Construction
Insurance encompasses an enormous variety and complexity of risk areas
which is why it is so important to work with a broker with real expertise in
this field and who understands exactly what you do and what cover you
need.

This is most definitely not a one size fits all market, and so it is vital to ensure
that your policy wording has been designed specifically for your business
and that it can cover every job and project that you could become involved
with.

At HSES Consultancy we have a particular expertise in many of the

specialist areas within Construction such as Scaffolding, Demolition,
Concrete, Formworking and Waste.

Being at a higher risk than many other sectors, the choice of insurer is of
more than usual importance. We have developed close relationships with
several specialist underwriters who have designed bespoke policies for
specific trades within the construction industry, of which you can find out
more on the following pages. Should the worst happen and you need to
make a claim, our experienced in-house claims team are here to look out
for your interests, obtaining fair and prompt settlements as well as looking
after any Third Party claims against you. As part of our service, we also have
partners who can assist in arranging credit for your plant and provide advice
on health and safety and HR issues.

16
 CONTRACT WORKS

As a contractor it is essential to safeguard your livelihood, customers and staff

against the very particular set of risks you face. The best way to do this is by
engaging with an insurance broker who fully understands the construction
industry . At HSES Consultancy we specialise in this field and have the
knowledge and experience required to ensure that your policy wording is
correct, so that if the time does come to claim you do not find your level of
protection wanting.
We work closely with an extensive network of underwriters who provide
specialist construction policies, we know them very well, we know the questions
they will ask and we know their appetite for risk. We get things done quickly
and will come back to you with answers quickly, whether it be yes or no, we
realise this is vital in your industry.
We are also committed to issuing your documentation quickly so that you have
confirmation of cover for your clients, removing one of the common barriers
to being able to work and get paid. Should the worst happen and you need
to make a claim, our highly experienced in-house claims team will help you
every step of the way, from initial advice and completing claims forms through
to achieving a prompt and satisfactory settlement.

17
LIABILITY

You wouldn’t dream of not insuring your tools and plant adequately, but
sometimes professional liabilities get overlooked. This can be a costly mistake,
the consequences of not having adequate liability cover can be far reaching
and damaging for any business and more significantly can carry personal
repercussions for owners and directors . At HSES Consultancy we have vast
experience of the construction industry and can undertake a full review of
your liability requirements.

COVER FOR HSE AUDITS

Did you know that costs for HSE investigations ( whether or not they result in
a prosecution) are now passed on to the company being investigated. Fees
can run into many thousands of pounds. Fees For Intervention Insurance is a
new product that HSES Consultancy is one of the first brokers in the UK to
offer. It can protect you from the unexpected fees as well as providing advice
and help throughout the process to make sure you achieve the best possible
result from what can sometimes be a very intimidating process.

Because we only work with leading insurers you can rest assured that we will
be offering quality insurance products which won’t leave you exposed should
the worst happen. The length of our relationships with insurers and the
volumes of business we place mean that our clients benefit from extremely
competitive rates. In the event of a claim our dedicated in-house claims team
will help you every step of the way in order to minimise the disruption to your
business and your exposure to further risk.

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 PERFORMANCE BONDS

A performance or contract guarantee bond has long been an established

practice when appointing a contractor to undertake major works. The reason
for these types of bonds is to protect the employer from the original appointed
contractor failing to carry out their contracted duties in terms of performance
and delivery, amongst other things. Bonds act as an important safety net to
enable a principal to finish the project.

Although banks have traditionally supplied bonds those involved in the

construction industry are increasingly turning to the insurance industry as a
source of bonds as there can be major differences between the wordings of
bonds provided by banks and insurance companies. Ultimately this means
the liabilities that sit with the suretyprovider in the event the bond is called
into action will not be the same. The most common difference is whether the
wording makes a bond “on demand” or not.

An on demand bond does not require the employer to sue the contractor and
prove breach of contract. A non on-demand bond requires the employer to
establish the contractor’s breach of the building contract.

Generally speaking banks will not supply on demand bonds, but might
make exceptions for major contractors. Insurance bonds are more flexible
in wording and typically will not erode the contractors credit line. We have
expert partners who can help you arrange a bond. Typically they will require
the following pieces of information:
yy A completed Bond Application Form
yy Latest audited and/or latest management accounts
yy A copy of the proposed wording.

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DEMOLITION,
SCAFFOLDING & WASTE

DEMOLITION

HSES have been insuring Demolition Contractors from our earliest days.
We have a large number of clients and industry contacts and we know
those insurers who truly understand these trades (and those who do not).
We know the wordings and we know which exclusions to look out for. Our
expertise covers liability, property damage, Professional Indemnity, fleet,
motor and a multitude of other covers that demolition contractors need. We
have developed specialist facilities for NFDC members with underwriters who
specialise in the sector. We pride ourselves on providing the best cover at the
most competitive price, using only those insurers that we believe are suitable
for you.

WASTE

HSES insure some of the largest Waste Hauliers and Waste Recycling companies
in the South of England, including several household name companies. We
have access to specialist Waste Insurance products underwritten by the
leading insurers in the sector.

SCAFFOLDING CONTRACTORS

HSES are one of the largest providers of insurance to scaffolders in the UK.
We achieved this by being specialists in the sector and by getting to know the
industry inside and out as well as understanding which insurers are right for
our clients.

We won’t just sell you a policy, we will make sure that is right for you and that
any policy terms and conditions are suitable for the work you do.

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 FLEET
21
Motor Fleet insurance can represent one of your largest business expenses.
Finding an insurance broker with a real expertise in the fleet market can make
an incredible difference in terms of your time and money.

At HSES Consultancy we only deal in areas where we have considerable

experience and fleet insurance is no exception. For us it is not about simply
achieving a one off premium saving, our forensic approach to claims and to
risk management will reduce your claims costs (both your own and third par-
ty), your administration costs and your vehicle down time leading to premium
reductions that are sustainable over years, not months.

We work with the UK’s largest fleet insurers who understand our approach
and who can provide us with premiums and terms that are rarely available in
the wider market. Whether you run a large HGV fleet or a small fleet of com-
pany cars or vans, you should talk to us.

22
 COMPANY CAR FLEET

Managing your company car fleet need not be a burden. HSES Consultancy
work with the UK’s premier insurers and have a range of risk management
and telematics solutions which can make your life (and the life of your fleet
manager) a whole lot simpler.

HGV & HAULAGE

If you run a fleet of HGV’s then you know all about the challenges of managing
and controlling claims and premiums. You need an insurance broker that you
can rely on and that’s where our unique approach can help. We get to know
the unique features of your particular fleet and we put together a plan that is
specific to you.

We don’t just go fishing in the market and hope we turn up a policy that will do
the job at a price for one year.

We gather all the information we need from you and put together a plan to
reduce your accident history, actively intervene to reduce the cost of third
party claims against you and help you achieve a significant reduction in the
costs of your insurance spend year in and year out. Once you become an
HSES client you will always deal with a senior partner or director who will
become an integral part of your organisation throughout the lifetime of our
relationship, controlling your costs, keeping your fleet on the road and keeping
your drivers safe.

23
SPECIAL VEHICLE TYPES

If you are in the construction business then you will most likely have some
specialist vehicles, cranes, tippers, concrete mixers or diggers that fall under
the category of “Special Types”.

We are a specialist broker to the construction Industry so “Special Types” are

pretty standard fare to us.

CONCRETE

The Insurance of Concrete Companies and of Concrete trucks has its own
unique requirements.

At HSES Consultancy we have specialised in the industry for several years

and you may have seen or spoken to us at The Concrete Show and many of
the other industry trade shows that we attend throughout the year.

Using our knowledge, and with input from industry experts, we have developed
specialist wordings and policies for the concrete industry. Our Motor Policy
will cover loss of Drums and Solidification of Load as well as other covers,
unique to the industry that are often excluded by the standard motor market.

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 DISTRESSED FLEETS

Sometimes a fleet experience can deteriorate to a point where many insurers

will simply not want to become involved. This can be the fault of a number of
factors, poor quality drivers, disinterested management or poor performance
of insurer and broker.We think we can help with all 3.

HSES Consultancy have a proven track record of taking over poorly

performing fleets and taking action to turn their fortunes around. Our forensic
approach to claims and risk management has saved £ tens of Thousands of
fleet renewals in as little as 12 months with clients going on to further savings
year on year.

We have seen lower management time lost on fleet management and claims
issues and improved utilisation with much reduced down time. If you have a
fleet that is running badly and where the premiums just keep going up and up
every year, talk to us to see how we can work together to turn things around.

You will be saving much more than money.

25
FLEET RISK MANAGEMENT

We believe that by investing in a truly high end claims service which investigates
every single aspect of the claim, and looks at every detail, every piece of CCTV
or dash camera footage and every witness statement, that we can drastically
improve on the performance of the insurer’s own claims department. Our
Claims team take nothing at face value and will argue each and every point to
ensure you get the correct outcome, not simply the most expedient one. This
approach is expensive and time consuming but it will reduce your claims costs
(both your own and third party), your administration costs and your vehicle
down time.

But it is not simply about reducing the impact of incidents after they happen.
We will also work with you to address the underlying issues which create these
claims.

Working with you to identify patterns of driver behavior, dangerous routes and
accident blackspots as well as investigating telematics, cameras and modifying
driver attitudes we can dramatically change the claims experience of a fleet in
a remarkably short time.

Working in house and with some carefully selected partners we can design
a programme with you that will amply repay the initial investment and pay
dividends for years to come.

26
 PRIVATE
27
CLIENTS
HSES Consultancy have a dedicated department to look after the insurances
of the personal properties and possessions of our business clients.

Your home contains your most precious and personal assets, so why would
you trust them to a faceless online insurance quotation ? Surely this is an area
where “cheapest” seems very much like a false economy ?

At HSES Private Clients we believe in the personal touch with an emphasis

on product and service as well as price. We will visit you at your property
to evaluate and discuss your individual requirements and design a bespoke
insurance package that is absolutely right for you.

We operate with a small, but carefully selected panel of insurers who provide
the highest levels of cover and claims service so that you can be confident
that you have the protection that you need, when you need it, with no nasty
surprises.

Our underwriters have expertise in fine art, listed and unusual buildings,
classic vehicles, jewelry, shotguns and fine watches, so no matter what your
specific requirements, we can arrange the right cover at a competitive price.

28
 CLAIMS

29
The key area in which HSES Consultancy differentiates itself from other bro-
kers in the marketplace is in the area of claims. Lots of people talk about pro-
viding a great claims service, but to get it right takes time, effort and no small
amount of investment. It doesn’t happen by accident and nor does it come
cheap. At HSES Consultancy we are fortunate enough to employ some of
the industry’s most dedicated and passionate claims staff.

We believe that by investing in a truly high end claims service which investi-
gates every single aspect of the claim, and looks at every detail, every piece
of CCTV or dash cam footage and every witness statement, that we can dras-
tically improve on the performance of the insurer’s own claims department.
We have a forensic approach to claims and to claim management that takes
nothing at face value and will argue each and every point to ensure our client
gets the correct outcome, not simply the most expedient one.

This approach is expensive and time consuming but it will reduce your claims
costs ( both your own and third party), your administration costs and your
vehicle down time which will in turn result in premium reductions that are
sustainable over years, not just months.

We believe our approach is well worth the extra effort and so do our clients.

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 CLAIMS SERVICES

Insurance Assist is an additional service that we offer to our existing clients

and also to certain clients who may not place their insurances through us.

INSURANCE ASSIST MOTOR (PROACTIVE CLAIMS MANAGEMENT)

The service was born out of an increasing concern that many of the larger
fleet insurers were not resourcing their in house claims departments with the
number and calibre of staff that are needed to actively manage the claims
process and defend their clients against the onslaught of third party claims
costs. Fleet operators were finding their premiums were spiraling out of control
as third party costs went unchallenged and deteriorating claims experiences
began to make them uninsurable. The solution was obvious. To develop a
new and highly interventionist approach to claims that takes in prevention,
proactive intervention when the claim occurs and then mitigating the loss.

Our services include :

yy Advice on risk management,
yy The selection, location and fitting of cameras
yy Interpreting CCTV footage and how it can be best used in your defence
yy Driver training
yy Improved reporting procedures
yy Full intervention in the claims from reporting, through analysis of CCTV
imagery
yy Negotiation with Third party insurers and legal.
yy Attendance at court and expert witness.
yy Recovering policy excesses and other uninsured losses

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CLAIMS CONTACT
NUMBERS

In the event of a claim, please contact our claims team using the
following options.

TELEPHONE: +44 333 77 22 888

EMAIL: support@hses.co.uk

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support@hses.co.uk
www.hses.co.uk
+44 333 77 22 888
Head Office: 3 Shortlands, Hammersmith, London, W6 8DA
Northern Office: Office 1, Technology House, 9 Newton Place,
Glasgow, G3 7PR