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When It Comes to the Crunch, Will Your Business Insurance Come Up Trumps?

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When It Comes to the Crunch, Will Your Business Insurance Come Up Trumps?

When It Comes to the Crunch, Will Your Business Insurance Come Up Trumps?
September 26
11:45 2016


Broadly speaking, commercial insurance isn’t generally considered an exciting, joyful entity. Rarely does one hear the words ‘Oh great, my business insurance is due for renewal.’ Instead, what often springs to mind are second-hand horror stories of decimated, smouldering hotel premises, or flooded kitchens attended by stony-faced loss adjusters scribbling in notebooks and gazing around shaking their heads. Possibly as a result of this, over the decades the image of the insurance industry as a trustworthy pillar of support has been gradually eroded by an unsavoury series of scandals, fraudsters and dubious tales of woe by less-than-honourable policy holders. As one scam or dodgy claim gives way to another, communication between insurers and an entire sector can break down, and ends up being replaced with a festering blend of scepticism, mistrust and resentment about increasing premiums. It has to be said, though, that for every unscrupulous chancer there are a dozen well-established, dependable brokers and intermediaries in the UK. However, such is the level of competition within this sector that telling them apart is often as challenging as stumping up their painful excesses and monthly instalments. Mercifully, among the most respected operators is one Scottish company which works closely with hospitality business of all styles and sizes. Over the last four decades they consistently managed to combine efficient, competitive policies with sound advice and good, old-fashioned reliable service.

CS provides a quick-reference guide to Bruce Stevenson Insurance, and finds a broker who not only offers expert help when most needed, but also fights tooth and nail to defend their clients when disaster strikes…

Established over 30 years ago, Bruce Stevenson Insurance provides bespoke insurance products and services to both commercial and private clients across the UK. Offering a truly personal service combined with knowledge, experience and unrivalled market expertise, the company is one of the largest, most respected independent brokers in Scotland.

Specialisms include:

  • Hospitality, leisure and tourism
  • Corporate and commercial
  • Property
  • Private clients
  • Renewable energy
  • Social housing
  • Farms & estates
  • Heritage property and fine art

Understanding that hospitality is a diverse and crucial sector to the Scottish economy, Bruce Stevenson offers property and liability covers, in addition to the following areas:

  • Loss of license
  • Goods in transit
  • IT: all risks, including cyber
  • Deterioration of stock
  • Director and officer liability
  • Motor insurance

Chartered Accreditation

With Chartered Insurance Broker status, Bruce Stevenson pledges a firm commitment to delivering the highest professional level of knowledge, advice and ethical practice.

UNA Alliance

A founding member of UNA – an alliance of 12 like-minded independent insurance brokers across the UK – Bruce Stevenson contributes to over £1 billion-worth of premiums into the UK market, providing extensive leverage to negotiate better value from insurers on their clients’ behalf.

Investor in Customers

A three-star accreditation for exceptional customer service by Investor in Customers highlights the conscientious hard work of the Bruce Stevenson team.


Alongside Bruce Stevenson’s dedicated focus on hospitality, the company recently launched StaySafe, a policy specifically designed for the B&B sector.  Recognising the relevance of the thousands of small businesses throughout Scotland, Bruce Stevenson believes it’s crucial for them to have the right insurances in place.

The Hospitality People:

With an eight-strong team of experienced brokers, Bruce Stevenson insurance covers every corner of the hospitality, catering and leisure sector in Scotland. As part of their dedicated Business Insurance page which starts next month we’ll be running biographies on each and every one of them but for now we’re going to introduce the two who launched the team last year:

andy_adam-cropAndrew Adam, Commercial Director

A Chartered Insurance Practitioner who joined Bruce Stevenson in 2011, Andy is responsible for the account executive team which operates in Edinburgh, Glasgow and the Scottish Borders.


carol-wardCarol Ward, Account Executive, Commercial

With more than three decades’ experience in the insurance sector, Carol joined Bruce Stevenson last year and looks after the insurance requirements of several other operators within the hospitality sector.



The Clients: 

Chardon Management Ltd: Fifty Years of First-Class Hospitality


After completing an international management scheme at hotels including Turnberry and Gleneagles, Maurice Taylor established Chardon Hotel Group in the 1960s. Over the next five decades, latterly with the help of his daughter Nicola, he built the firm into one of the country’s leading hospitality businesses. Having worked with Bruce Stevenson since the mid-1990s, Maurice increasingly appreciated the fact that service, competitiveness and a strong brand were required to protect his insurance portfolio: ‘During an expansion programme several years ago, we became involved in a joint venture with Starwood Hotels, and our broker Andy Adam was part of the due diligence team,’ he explains. ‘Andy helped us throughout the process, providing first-class cover with substantial savings. His input was immeasurable and I’m delighted to continue our working relationship to this day.’ 

Fresh Food and a Warm Ayrshire Welcome


A family-owned hospitality group with a portfolio of award-winning hotels, bars, restaurants and golf leisure in and around Ayrshire, SimpsInns is in the midst of an ambitious growth programme. Alongside the Gailes Hotel, the Waterside Inn, Si Café Bar & Restaurant, and the Old Loans Inn, the company is about to commence refurbishment of the River Inn, on the outskirts of Ayr.

‘I’ve been delighted to work with Andy Adam, who has provided advice and arranged our insurance portfolio,’ says Malcolm Simpson, pictured left with wife Karen.

‘From the inception of SimpsInns and over the course of our growth plans, we have appreciated his input in setting up the insurances we require for the different areas within our business.

‘We’re looking forward to a long and fruitful relationship in the years ahead.’


The Industry Networks, Knowhow and Support:

Tourism Matters

Bruce Stevenson Insurance is also proud to be patrons of the Scottish Tourism Alliance, and will be exhibiting at Scottish Tourism Week Signature Conference on 17th-18th March at the EICC.MC 2

CEO Marc Crothall (pictured right) said: ‘Tourism is everyone’s business, and it’s great that Bruce Stevenson are making it theirs by supporting the industry through expert advice and offers for our members.’

HITting the Big Time


Bruce Stevenson Insurance Brokers is working with HIT Scotland to support the charity’s work within the Scottish hospitality sector.

CEO David Cochrane (pictured back row, far left) commented: ‘The sector itself needs professional services in the same way that we need to partner with like-minded individuals and organisations who share our values, objectives and people-focused philosophy. Bruce Stevenson fits that bill perfectly.’

For further details, or to request a no-obligation estimate for your business insurance, visit to find out your nearest office and representative.

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Catering Scotland

Catering Scotland

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