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Offering services and solutions to protect and preserve your buildings and equipment
Our Asset Protection pillar is all about ensuring that our clients are safeguarded against unnecessary financial loss, whether it’s from significant underinsurance due to incorrectly valued buildings or plant and machinery, to avoidance of policy cover due to breach of policy condition, or from regulatory fines due to inadequate fire risk assessments, DSEAR, and so on. We ensure that clients receive what they should from their policy – and that’s certainty of outcome!
HALO - Protecting your building assets for three years
At the core of the Asset Protection package sits HALO – Howden’s ‘magic circle’ solution that seamlessly and roundly secures all of your physical business assets, such as your owned buildings. Our HALO package ensures your assets are protected for three years. HALO ensures you’re regularly checking-in on your physical assets, maintaining the highest standards, and keeping necessary assessments up to date. Asset Protection’s services combined with HALO is the perfect product for complete peace of mind. Set across three years, HALO covers different services in each year which reflect the needs of businesses, support building and asset management, and reduce their risks. Whether you have a large office block, or you’re situated on an industrial estate, HALO includes services for all types of commercial enterprise.
In year one you’ll undertake a Benchmark eValuation to determine an accurate rebuild cost for your buildings. Underinsurance affects every industry, so we need to ensure we help our clients eradicate this problem. You can find more on underinsurance here. Also, in year one, you’ll undertake a property risk control survey and receive a free ‘escape of water’ survey for your commercial premises, courtesy of our partners, Leaksafe. Throughout your time with us you’ll also have access to email and telephone support from our specialists and have access to blogs and webinars from Howden and our partners.
Once we’ve made progress in year one, we’ll continue this journey in year two. You’ll start the year by undertaking a 3D drone survey to map out and assess your buildings and their threats. You’ll also complete your annual property risk control survey, ensuring the work that’s been done in year one remains in place and any changes have been captured. And you still have access to email and telephone support from the Risk Management team, plus access to our partners’ webinars and blogs through newsletters and updates.
In the final year of your HALO term, you’ll undertake a thermography imaging survey which highlights temperature anomalies. Electrical distribution panels in a building can be investigated and any areas that are particularly hot can be assessed, helping you to reduce energy wastage and a potential fire occurring. In year three you’ll undertake your annual property risk control survey to ensure you’re staying on track. And if any losses have occurred, that lessons have been learnt and actions taken.
And of course, you’ll still have access to unlimited email and telephone support from the Risk Management team, plus access to our partners’ webinars and blogs through newsletters and correspondence.
While the HALO package has been comprehensively created to address and solve a plethora of property issues, we also offer additional services outside of your HALO package when you need them. This suite of services, which can be acquired for an additional fee, not only includes the above, but the opportunity to use specialist services and the insight of trusted partners, including:
