Independent, Owner Managed Insurance Brokers
MRSL Enterprise Ltd
Finding the correct policy can be daunting
We'll Listen and Advise
We'll Find The Correct Policy
Not all policies are the same
Our dedicated team are on hand to help
The MRSL Enterprise Story
Medical Risk Services Limited (MRSL) was founded by Roger Houston in 2004. Having been the youngest Assistant General Manager in Zurich Financial Services globally, Roger has developed considerable experience of how an insurer usually manages claims – including personal injury and medical negligence. He was recruited into the NHS Litigation Authority to make the Government indemnity for hospitals (Clinical Negligence Scheme for Trusts – CNST) work. After around nine years Roger moved to a similar role in the MDU.
Having seen the impact of objective medical insight on injury and medical negligence claims, Roger founded MRSL. MRSL’s clients include many household names in the insurance business – such as Zurich Financial Services and Royal and Sun Alliance (RSA). MRSL continues to provide services to insurers to repudiate or settle personal injury, medical negligence and healthcare cost claims. Chris Cloke Browne has been working with MRSL for around nine years – assisting in developing its client base. He became a director in 2016.
MRSL has held its Financial Conduct Authority permissions for insurance broking since 2012. In 2016, in response to observing the poor way in which medical indemnity was proposed to insurers and underwritten as risk assessors for various brokers, Chris and Roger decided to embark on their own brokerage business – MRSL Enterprise.
As a PhD engineer with a career spent analysing and pricing complex risks in investment banking, Chris developed a sophisticated approach. During his banking career, Chris was co-winner of the Risk Magazine Quant[itative Analyst] of the Year award for work his team published on risk analysis and pricing. A conversation with Dr. Rob Baylis, a Hampshire based consultant anaesthetist and pain management specialist, provided the practical insight into how the relevant data could be quickly and simply obtained. Roger and Chris took their approach, run through Rob’s own data from his pain management business, to some leading insurers who welcomed the insights that we brought. With the insurance support in place, MRSL Enterprise was in the indemnity business and is continuously developing this further.
The business is headquartered in Basingstoke, the home of MRSL where a team of up to five provide operational and administrative support. The business also maintains an office near Lloyd’s in London as we frequently need to meet with underwriters to discuss client needs. The dental and medical risk assessments are provided by up to thirty senior healthcare professionals who consult for MRSL.
Roger Houston FCII
MRSL founder & MRSL Enterprise co-founder
Christopher Cloke Browne PhD
MRSL Enterprise co-founder
What Our Clients Say
You clearly explained the insurance process to me and took the time to properly assess my risk, resulting in a value for money policy that gives what I need. When I needed to increase the level of cover due to the increased business I am receiving through BNI you were able to secure the increased cover at no extra cost.
I would hove no hesitation in recommending your Company to my clients and friends and look forward to passing you lots of referrals going forward.
As a business we required Employer and Public Liability. Chris took the time to understand our business and requirements before sourcing and advising on the correct policy for us.
It was made a painless and efficient process all thanks to Chris and his team.
I am now more than happy to be able to recommend Chris without hesitation and pleased to have found a fellow professional that looks after the client and treats them I would expect.
Thank you for taking your time to talk through the various different elements of the policy which helped me enormously with understanding the areas I was covered for as well as the areas I made need additional cover for should there be any changes in the business further down the line.
I have been through other insurance companies in the past and have been emailed through a lot of policy documents with no one willing to explain the various elements to me. I felt very lost having never purchased business insurance before as well as dubious as to the type of cover I was buying into. You took time to explain the elements I needed and even went as far as delving into the running of the business and the scenarios I may encounter.
Due to the help MRSL has provided and the professional nature of the process I fully recommend MRSL Enterprise for business insurance or any other type of insurance provided.
I will be recommending MRSL Enterprise going forward to all I meet.
You provided much needed advise and guidance on the types of insurance I should consider. From the time you had the initial information, right through to the final decision, you kept me fully aware of progress.
The fact that at the end of your investigation, comparing other options with my current supplier and with the final decision to be 'remain with them', shows what a professional approach you have and that you have tremendous integrity; this as a BNI member is not only great to be aware of as a customer but also as a referrer and shows other members what type of service to expect.
I am extremely grateful for you honesty and look forward to my annual review next year. I have no hesitation in recommending your services to family, friends and clients in the future.
She is an elderly lady and was wary about receiving a 'similar' quote from her old broker. I put her in touch with you and not only were the terms you offered better but you were also cheaper and the service and timely manner in which is was sorted out was excellent too.
Thank you and I look forward to referring more business to you.