No organisation is immune to the type of accident or misfortune that may affect its profitability. It is the prudent company, which protects its assets and liabilities by arranging adequate insurance cover.

The advantages of insurance are many. It avoids the need to tie-up scarce capital in order to meet the potential losses. It eliminates the majority of risks associated with any business venture, and thereby encourages growth and development. Through insurance, a known cost is substituted for the variability of losses from year to year. In short, it provides financial security, stability and the ability to plan.

Having recognised the need for insurance, how can you determine that proper protection is being provided and at a reasonable cost? Do you really have the time and capability to select the right policy from the multitude being offered? Do you have access to all the market? If a loss occurs, can you be sure to present your claim in the best possible manner?

FFK is an entirely independent firm of professional insurance brokers. Our view of the insurance industry is from your perspective, that is, the consumer. In close liaison with you, we will develop an insurance programme to meet your particular requirements. A successful strategy depends on prevention as much as protection. Therefore, an important part of our service is in advising ways in which risks may be reduced, or even eliminated, with consequent savings in insurance costs.

An organisation of our reputation naturally attracts staff of the highest calibre and that is reflected in the standard of service we provide.

Due to technological advancement, insurance is becoming more and more complex, imposing greater demands than ever before upon the broker. Our response to this challenge is innovation, specialisation and an increased awareness of our problems.