The Emerald Difference

The Emerald Difference – Putting The LGBT Community First

When we first talked about the possibility of launching Emerald, it was because of the disappointing experiences that so many of us have had when buying insurance. Because the LGBT community only represents a small part of the market, it seemed that insurers were happy to ignore the fact that LGBT customers might have additional or different needs.

So we decided to start from scratch, creating a company that considers the needs of our gay and lesbian customers at every stage of the process. The result of that is what we call The Emerald Difference.

We offer gay and lesbian-focused experience and products

So what does The Emerald Difference really mean? In short, we see it as putting the needs of LGBT customers at the heart of everything we do – which we believe separates us from the crowd. With Emerald, the LGBT community isn't an afterthought, but a constant, core consideration. This starts with our website, the language we use, and our specially-trained call-centre staff. And it runs right through our offering, from the way we conduct conversations with LGBT consumers to the unique offerings in our policies.

Our policies work for gay and lesbian customers

When we talk about The Emerald Difference in relation to our policies, we're referencing all the extra things we've added to our cover – after careful consideration and input from the LGBT community.

For example, our Wedding Insurance allows for two grooms or two brides, and specifically refers to conversions from civil partnerships to marriages which many other policies do not. And When we launch our Travel Insurance, it will have a definition of families that includes same-sex parents, acknowledging and supporting modern, diverse families.

The difference between our policies and other insurance firms' offerings also extends to consider discrimination against the LGBT community. Recent times have seen laws changed to offer the LGBT community the right to stand up in the face of discrimination and we think these laws should be enforced wherever possible.

Our staff will always consider your needs

But it's not about just offering different policies. We also consider the needs of gay and lesbian consumers from their very first interaction with us. From talking to our friends in the LGBT community, we've heard far too many stories about awkward phone calls with insurance companies – where assumptions were made about gender, titles, and sexuality. Our call-centre staff, on the other hand, are specially-trained to work with LGBT customers. So there are no suppositions and no need for you to come out on the phone.

We listen to the LGBT community – then act

It might be easy for a niche company such as ourselves to think we already know it all when it comes to gay and lesbian-focused insurance. But that's not us. We don't pretend to have all the answers and we never will – but we're always open to feedback and advice. We're proud of our openness, and think it's another thing that makes us unique.

And finally, we're committed

We're as passionate and committed to providing you excellent LGBT-tailored insurance as you are about receiving it. We hope that shows.

Human Dignity Trust
Diversity Role Models
The Albert Kennedy Trust