Disclosure about our insurance services

Williamson Carson & Co Ltd 2nd Floor, Yeoman House 63 Croydon Road London SE20 7TS

1. The Financial Conduct Authority (FCA)

Williamson Carson & Co Ltd 2nd Floor, Yeoman House 63 Croydon Road London SE20 7TS

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

2. Whose products do we offer?

We offer products from a range of insurers.

We only offer products from a limited number of insurers.

Ask us for a list of insurers we offer insurance from.

We only offer products from a single insurer in respect of the following insurance contracts.

Photographers Combined Policy: Chubb Insurance Company of Europe S.A. Photographers Professional Insurance Policy: Hiscox Underwriting Ltd Photographers Travel Policy: Lloyds Underwriters

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What you will have to pay us for our services?

A fee.

No fee

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

5. Who regulates us?

Williamson Carson Insurance Brokers, 2nd Floor, Yeoman House, 63 Croydon Road, London SE20 7TS is a trading name of Williamson Carson & Co Ltd, and is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 146295.

Our permitted business is advising on and arranging non-investment insurance contracts.

You can check this on the Financial Services Register by visiting the FCA’s website www.fca.gov.uk/register or by contacting the FCA on 0800 111 6768

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:

…in writing Write to: The Compliance Officer, Williamson Carson Insurance Brokers, 2nd Floor, Yeoman House, 63 Croydon Road, London SE20 7TS

…by phone Telephone: 0208 659 5038

If we are unable to settle your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service at: Exchange Tower, London E14 9SR. Telephone: 0800 023 4567 or 0300 123 9123 (mobile). Website: www.financial-ombudsman.org.uk

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

For compulsory Classes of Business, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

8. What is the duty of “fair representation”?

Where you are buying insurance on a business/commercial basis you must ensure that you provide a ‘fair presentation of risk’ to the insurer. This means disclosing all matters that you know, or ought to know, would influence the insurers decision on offering cover or terms.

You should, at least provide sufficient information to alert the insurer to make further enquiries about circumstances that may be material to the risk. Failure to disclose relevant information may invalidate the insurance and result in a claim not being paid.

19th June 2017

I've been dealing with Williamson Carson for over 20 years having been introduced to them through the Association of Photographers of which I'm a member. When I've had a claim, however complex, it has been dealt with quickly and efficiently and they very much work for you. They really understand the industry and just happen to be a great bunch of people to deal with.

– Larry Bray

Tom Carson & Williamson Carson have been my insurance brokers for over 15 years. The advice and cover they provides is both comprehensive and realistic. Tom's many years insuring the photographic and film industry means he is never fazed when I throw him last minute curve balls on shoots & on the 2 occasions I have needed my insurance it was dealt with swiftly & professionally. I highly recommend Tom and his team.

– Katy Niker, Burnham Niker