Frequently Asked Questions
Find answers to common questions about insurance, our services and how we can help you.
Types of Insurance
What does property owners' insurance cover?
Property owners' insurance covers damage to the physical structure of your building, including walls, roof, and permanent fixtures. It typically includes coverage for buildings, landlords' contents, loss of rental income, property owners' liability, and employers' liability for staff managing the property. Coverage varies by policy, so we recommend discussing your specific assets and exposure with us.
What is fleet insurance and who needs it?
Fleet insurance provides coverage for multiple vehicles owned or operated by a business. It covers damage, liability, and theft across all vehicles under one policy. Businesses with vans, trucks, company cars, or employee vehicles benefit from fleet coverage through reduced premiums and simplified administration compared to insuring each vehicle separately.
What is construction insurance?
Construction insurance protects contractors, builders, and developers during building projects. It covers contract works (the structure being built), contractors' plant and equipment, hired-in plant, public and employers' liability, and professional indemnity. Coverage is essential to protect against financial loss from accidents, damage, or third-party claims on site.
What types of business insurance does Aserto arrange?
In addition to our specialist focus on real estate insurance, we arrange a broad range of business insurance solutions including commercial combined, public and employers' liability, professional indemnity, directors & officers, fleet & motor, office property, business interruption, cyber & data, legal expenses, management liability, and engineering & equipment coverage. Whether you're in a niche sector or a multi-faceted operation, we can tailor coverage to your business.
Working with a Broker
What does an insurance broker do?
An insurance broker acts as your advocate. We understand your business, identify your risks, compare policies from multiple insurers, negotiate competitive rates, and handle all the administration. We also provide ongoing support, conduct regular reviews, and assist with claims. Unlike direct insurer sales, we're independent and focussed on finding the best solution for you, not selling a specific product.
Why choose an independent broker instead of going direct to an insurer?
Independent brokers have access to multiple insurers and can compare policies to find you the best cover at the best price. Going direct to a single insurer limits your options to their products. With Aserto, you benefit from expert advice tailored to your needs, competitive shopping across the market, professional claims support, and a long-term partner who understands your business—all at no cost to you.
How do I get a quote from Aserto?
Getting a quote is simple. You can request a quote through our website, call us directly, or email us with details about your business and insurance needs. We'll review your information and provide a tailored quote, typically within 2-3 business days. For straightforward policies, we can often provide quotes same-day. We're here to answer questions throughout the process.
How often should I review my insurance?
We recommend annual reviews as a minimum to ensure your coverage evolves with your business. Changes in circumstances, new assets, expansion, staff changes, or operational changes may mean your insurance needs to be updated. We proactively schedule reviews and contact you when changes to your policies may be beneficial.
Can I adjust my coverage during the year?
Yes. If your circumstances change mid-policy, contact us and we can update your policies to reflect your current situation. We'll arrange adjustments with your insurer. Some changes may incur a small adjustment fee, but we'll always discuss this with you upfront.
Are your services free?
Yes. Our advice and consultation services are completely free to you. We're paid commission by the insurers we place business with, so there's no cost to you for our expertise, support, and administration. Our success is built on finding you great value, so our interests are aligned with yours.
Claims & Support
How do I file a claim?
Contact us immediately when an incident occurs. You can reach us by phone or email—our 24/7 support line ensures you can report a claim anytime. We'll guide you through the claim process, help you gather necessary documentation, advise on next steps, and liaise with your insurer to ensure smooth processing.
What information do I need to provide when making a claim?
We'll guide you on what's needed based on your claim type, but generally you'll need: your policy number, date and time of the incident, description of what happened, location, photographs or evidence of damage, details of any third parties involved, and any relevant receipts or valuations. We help you compile this information and submit it to your insurer in the correct format.
How long does it take to settle a claim?
Claim timelines vary depending on complexity. Simple claims may be settled within days, while complex or contested claims can take weeks or months. We work closely with insurers to keep claims moving. We keep you informed every step of the way and push for fair and timely settlement on your behalf.
Is Aserto available 24/7 for claims support?
Yes. We understand that incidents don't happen during business hours. Our 24/7 claims support line is available to you any time you need to report an incident, ask urgent questions, or get guidance on next steps. Even outside normal hours, we're here to help you navigate the claims process.
About Aserto & Services
What types of clients do you serve?
We serve landlords, property investors, property managers, property management companies, real estate developers, portfolio owners, businesses of all sizes, contractors, and high-net-worth individuals. Whether you're managing a single property, overseeing multiple client assets, running a growing business, or seeking luxury and specialist coverage, we have expertise across your sector.
Do you offer high-net-worth insurance?
Yes. We specialize in high-net-worth insurance for affluent individuals and families. Our coverage includes luxury homes and estates, valuable collections and fine art, high-performance and classic vehicles, personal cyber & identity theft protection, and worldwide liability coverage. We understand the unique risks and asset protection needs of high-net-worth clients.
What sets Aserto apart from other brokers?
Aserto combines deep specialist expertise in real estate and commercial insurance with a relationship-led approach. We understand your business, provide transparent advice, and craft tailored solutions rather than selling off-the-shelf products. Our independence means we search the entire market for the best coverage at competitive rates. We offer 24/7 support, proactive reviews, and a genuine commitment to your long-term success. Founded on clarity, confidence, and control, we partner with you long-term, not just for a single transaction.
How is Aserto regulated?
We're fully regulated by the Financial Conduct Authority (FCA). Our FCA registration ensures we meet professional standards, conduct our business with integrity, and meet consumer protection requirements. You can verify our FCA status and check our registration details on the FCA register.
What if I'm not happy with my service?
We want you to be happy. If you have any concerns, contact us directly to discuss. We take feedback seriously and will work to resolve any issues. If you wish to make a formal complaint, we have a complaints procedure to handle this professionally and fairly. We're committed to high service standards and your satisfaction.
Still Have Questions?
Contact us directly or request a quote to discuss your specific insurance needs.