Commercial and Industrial Insurance

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" rowspan="2" width=22.5% BGCOLOR="#006633" TEXT="#F7F7FF" background="136d6c20ddvuru.jpg"> <div> <IMG SRC="1ff83820.jpg" border=0 width="131" height="130" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> Mark Felman ACII</div> <div> Director</div> <div> General Insurance Division</div> <DIV ALIGN="LEFT"></DIV> <div> <B><IMG SRC="1fb60800.jpg" border=0 width="96" height="128" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> Stephanie McColm</div> <div> Account Handler</div> <bR> <bR> <bR> </td> <td valign="top" colspan=2 height=10 BGCOLOR="#FFFFFF" TEXT="#080000"> <div>  <FONT SIZE="1" COLOR="#000000" FACE="Arial" > |  </FONT><FONT SIZE="3" COLOR="#000000" FACE="Tahoma" > </FONT></div> <div> Welcome to the EFM Website</div> </td> </tr><tr> <td valign="top" height=470 colspan=2 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B> </B><FONT SIZE="1" COLOR="#003366" FACE="Arial" >  </FONT></div> <div>  <A HREF="index.htm" TARGET="_top" TITLE=" "><U>home</U></A> <FONT SIZE="2" COLOR="#000000" FACE="Tahoma" > l </FONT>   <A HREF="id32.htm" TARGET="_top" TITLE="Company Background"><U>Company Background</U></A>   |   <A HREF="graham_berg_acii.htm" TARGET="_top" TITLE="Treating Customers Fairly"><U>Treating Customers Fairly</U></A>   |   <B>Commercial and Industrial Insurance</B>   |   <A HREF="id4.htm" TARGET="_top" TITLE="Financial Services Division"><U>Financial Services Division</U></A>   |   <A HREF="id15.htm" TARGET="_top" TITLE="Insurance Schemes"><U>Insurance Schemes</U></A>   |   <A HREF="id31.htm" TARGET="_top" TITLE="Crisis Control Scheme free added value "><U>"Crisis Control" Scheme - free added value for Commercial Customers after a disaster</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A></div> <div> Commercial and Industrial Insurance</div> <DIV ALIGN="LEFT"></DIV> <div>           <IMG SRC="1f1295e0.jpg" border=0 width="41" height="94" ALIGN="BOTTOM" HSPACE="30" VSPACE="8"></div> <div> efm<FONT SIZE="5" COLOR="#003366" FACE="Arial" >insurance</FONT>&<FONT SIZE="5" COLOR="#003366" FACE="Arial" >financial</FONT>group</div> <bR> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="747" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 213 ><NOBR><div> <A HREF="id20.htm" TARGET="_top" TITLE="Covers Available"><U><I><B>Covers Available</B></I></U></A></div> <bR> <div> <B><IMG SRC="165c8860.gif" border=0 width="200" height="134" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <I><B>Using our expert knowledge of the Insurance market, we are able to advise on all aspects </B></I></div> <div> <I><B>of Commercial and Industrial Insurance including:</B></I></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="735"><div> <I><B><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Professional Indemnity</B></I></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <I><B><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Commercial Property and Liability Insurance </B></I></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="735"><div> <I><B><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Property Owners</B></I></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="735"><div> <I><B><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Marine </B></I></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="735"><div> <I><B><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Contractors Combined </B></I></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="735"><div> <A HREF="id20.htm" TARGET="_top" TITLE="Covers Available"><U><I><B><U><IMG BORDER="0" SRC="Symb075c00b700f066330000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Other covers</U></B></I></U></A></div> </tD> </tR> </TABLE></div> <div>                                                 </div> <bR> <div> In addition to offering a wide variety of Insurance facilities with highly competitive and reputable Insurers, we pride ourselves on our ability to provide a first class service to our clients which include major local employers, Franchise Operators, International Companies, Charities, National Servicing Companies, Distributors, Contractors, Property Owners /  Developers and National Retail Chains.</div> <div>                            </div> <bR> <div> <I>EFM are Members of the British Insurance Brokers Association </I></div> <bR> <div> Essex Financial Management Limited act as Independent Insurance intermediaries on behalf of our clients and are responsible for arranging insurance and for the advice given.  We are able to advise on a wide range of General Insurance Products including all aspects of Commercial and Industrial insurance covers and in respect of personal insurance protection (i.e. Motor and Household Insurance covers).<FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <bR> <div> <A HREF="id28.htm" TARGET="_top" TITLE="Terms of Business General Insurance Div"><U><B><U>Terms of Business - General Insurance Division</U></B></U></A></div> <bR> <bR> <bR> <bR> <div> <A HREF="http://www.fsa.gov.uk" TARGET="_top" TITLE="http://www.fsa.gov.uk"><U><I><B><IMG SRC="1c3766b0.gif" border=0 width="118" height="107" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></U></A></div> <div> <I><B>Essex Financial Management Limited are authorised and regulated by the Financial Services Authority (Ref 149177)</B></I></div> <bR> <bR> </td> </tr></table></body>