We are delighted to have been voted one of the best Commercial Motor Insurers by our Brokers. It provides property brokerage, casualty brokerage, and professional liability brokerage services, as well as binding authority programs. Decus Insurance Brokers Limited Office Locations. Decus Insurance Brokers Limited Rob Bloore Managing Member, BV Tax & Accounting, PLLC Scottsdale, AZ. See the complete profile on LinkedIn and discover Penelope’s connections and jobs at similar companies. Decus Insurance Brokers Ltd. (IL) For complex, high risk or difficult to place risks, Group brokers can access the Lloyd’s of London insurance market via our in-house Lloyd’s broker, Lonmar Global Risks, BdB and Decus Insurance Brokers. Broker at Decus Insurance Brokers Limited London. Yesterday was a great and insightful day being able to spend time on some claim. Public Risk Underwriters of New Jersey, Inc. Providing service to business, public. Join to view profile Decus Insurance Brokers Limited. Join to view profile Decus Insurance Brokers Limited. Back Submit. Frontier Insurance Solutions Ltd | 260 followers on LinkedIn. K. United Kingdom. 000006382680 ECC Insurance Brokers, Inc. Registered office address. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. r. A. Indiana: Apex Insurance Agency, Inc. Albans. At Decus Insurance Brokers our transportation team can offer a range of products within our existing In-House Facilities which are written 100% by Lloyd’s Underwriters and Great Lakes Insurance SE (Munich Re). Financial Institutions. Indiana: Apex Insurance Agency, Inc. Crossover Insurance Services, LLC. It offers coverage for commercial property, mortgages,. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Decus Insurance Brokers Limited 867 followers 2mo Report this post The Decus Transportation Division are actively looking to expand their book of business, as Underwriter capacity grows with our. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Decus is an expanding dynamic company with online placing capabilities through its Decus Direct platform. 65. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Connect James Wells Senior Vice President - Acrisure London Wholesale St. Back. ed broking llp 68. New SSAD Holding, LLCAt Decus Insurance Brokers we can provide open brokerage markets for most Professional classes. Our in house facilities enable us to service small to medium sized business in an efficient and expeditious manner and our Open Market brokers specialise in placement of larger, more complex, risks. Connect Gary Lill Head of Professional Lines at IQUW. ) company based in THE SCALPEL, 18TH FLOOR, 52 LIME LIME STREET, United Kingdom, which employs 48 people. , a London, UK-based insurance intermediary that specializes as a program management/ administration and managing general agent. Report. See who you know in common. In conjunction with this fact, we are acutely aware of the constant changes in cyber security. Hatt has over 30 years of underwriting and broking experience in the London and Lloyd’s market. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyDecus Insurance Brokers Limited Marc Jason | Business Analyst Delta - N. Decus Insurance Brokers Limited Nov 2008 - May 2014 5 years 7 months. If you have an active Brown & Brown account please press the button below to log in via the B&B single sign onTransportation. Missouri. Back Submit. Connect Ollie Blackman Account Executive at Decus Insurance Brokers Limited. Compare Amerisure to its competitors by revenue, employee growth and other metrics at Craft. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. Decus Insurance Brokers Also, Decus has delegated underwriting authority to its experienced insurance professionals. All the team, including directors Phil Bailey, Jane Brown and Gary Crow, will continue with. DECUS INSURANCE BROKERS LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges,. Connect Richard Fuller Customer Service Representative at Target Transfers Ltd a. B. Virginia: Arrowhead General Insurance Agency - Atlantic Region, LLC : Georgia: Arrowhead General Insurance Agency Holding Corp. Our risk solutions encompass extensive methods of placement in traditional and emerging market segments. Insurance Broker Tell us what you think of this service (link opens a new window) Is there anything wrong. D. Brown & Brown Insurance Of Georgia, Inc. The GRP acquisition was first announced in early. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. Please note, however, that the Decus Website may contain links to third party URLs. Sedgwick, Detert. (NYSE: BRO), which, through its subsidiaries, offers a broad range of insurance and reinsurance products and services, as well as risk management, third-party administration, and managed health care programs. Chrome Extension. Delamain Ogilby Limited 69. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. The Decus Insurance Brokers claims department is an established group of experienced “hands on" professionals that are well versed in territory and industry disciplines, particularly our involvement and experience in. Skip to main content LinkedIn. London, United Kingdom. I. Decus was. It offers coverage for commercial property, mortgages, homeowners, transportation, and healthcare insurance. Full accounts made up to 31 December 2016. Broker at Decus Insurance Brokers 11mo Report this post Amwins Global Risks 11,391 followers 11mo Edited. Chris Rogers – Decus Insurance Brokers Ltd. We provide clients with a wide range of options from secure markets. Mr. Founded in 1987, Zycomp Systems Limited has always aimed to develop modern and cost-effective software solutions for the general insurance industry in Canada. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. CS Insurance Brokers . CA. When you’re ready, we’ll be waiting for you at Essex Insurance Brokers LLC located at 2340 S River Rd or call us at (847) 954-2222. LLoyd's and London Market Brokers. Brown & Brown Europe also offers over 100 in. Dublon Insurance Brokers Ltd . DECUS INSURANCE BROKERS LIMITED is a Private limited company (Ltd. Join to view full profile. Faber Global Limited. Page 4 of 70 9. Public Risk Underwriters of Florida, Inc. Feb 2021 - Present2 years 9 months. Who are Decus Insurance Brokers 's competitors? Alternatives and possible competitors to Decus Insurance Brokers may include Lime Insurance , Veyo , and Global Star . Decus Insurance Brokers Limited 68. 13 November 2014. Decus Insurance Brokers Limited. Find contacts by Domain. B. com (+44 (0) 203 006 6642) Or Dean Sterling [email protected] Insurance Brokers Limited. With its 56 employees, Decus is. Tony Farrup Head of Engineering at EuroCaps Ltd. I. Topics Mergers & Acquisitions Agencies Aon Willis Towers Watson. The GRP acquisition was first announced in early. Decus Insurance Brokers Limited. 15 followers 14 connections. is a new and vibrant Lloyd's Broker. Brown & Brown Lone Star Insurance Services. Decus is a Lloyd’s Coverholder with in-house underwriters for a wide range of. Ballantyne will oversee all of the operations of Decus and report to Neal. is the sole owner of the following corporations either directly or indirectly: Brown & Brown of Lehigh Valley, LP. View matt biscoe’s profile on LinkedIn, the world’s largest professional community. For enquiries regarding Arena please contact. ECC Insurance Brokers, Inc. Ballantyne will oversee all of the operations of Decus and report. We pride ourselves in being able to offer fast and competitive solutions and are fully committed in administering an efficient and professional service to accommodate your. com: 0203 772 5389: Cherie Jackson-Lockyer: Senior Claims Broker/Technician: Non Marine: cjacksonlockyer@decusbrokers. Our Companies House registration number is 06382680. Director. find email address, find email, people finder. Onyx was established to specialise in all insurances for the UK Financial Services Industry. High Value Homes Coverage (HO3 /. Senior Claims Broker/Technician: Non Marine: mgillies@decusbrokers. View Dan Heywood’s profile on LinkedIn, the world’s largest professional community. B. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. Marc Jason | Business Analyst Decus Insurance Brokers Limited Cristian Joe | CEO BindHQ Jeffrey Johnson | Sr Sales Associate Instanda Jeromy Johnson | Sales & Implementation Manager VRC Insurance Systems, Inc. I’m happy to share that I’m starting a new position as Broker at Decus Insurance Brokers Limited! | 25 comments on LinkedInI’m happy to share that I’m starting a new position as Broker at Decus Insurance Brokers Limited! | 25 comments on LinkedInDecus Insurance Bkrs. (NV) Preferred Governmental Claim Solutions, Inc. Lloyd’s Coverholder Services. Arrowhead Insurance Risk Managers, LLC fka Arrowhead Specialty Underwriting, LLCSenior Claims Broker at Decus Insurance Brokers Limited United Kingdom. Resigned on. See the complete profile on LinkedIn and discover Dan’s connections. Delta Corporate Risk LLP Delta General Agency Corp Dennis Watkins & Company Limited Denovo Underwriting Agencies Ltd Derek Slaughter Insurance Services Ltd Deric Cotterill Insurance Brokers Desert Specialty. Mandar Joshi | COO. o Magyarorszagi Fioktelepenek Defend Finance s. 7 November 2007. Back in 2008, the firm started Lloyd’s broker Decus Insurance Brokers. ") effective 1 March 2008. Report. European Bkrs Allce. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. Decus is an expanding dynamic company with on-line. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyThe Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. Senator Broker Svcs. Overview. Private Market Flood insurance is sold by The Flood Insurance Agency, which also offers NFIP policies. This includes Lender Placed Hazard protection or Collateral Protection Insurance. Unlock even more features with Crunchbase Pro . Brown & Brown Insurance Services Of California, Inc. LONDON, UNITED KINGDOM--(Marketwired - Mar 12, 2014) - Decus Insurance Brokers, Limited ("Decus") today announced Ross Ballantyne has been. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. United Kingdom. Ropner. We will continue to adapt to the nature of cyber-attacks and the risks they bring, holding the demands and expectations from our clients. Connect Tom Shaw London Area, United Kingdom. In February 2022, for example, it agreed to buy London-based wholesale broker BdB – the transaction is awaiting regulatory approval – after already purchasing Irish retail broker O’Leary Insurance last year. D . Broker at Decus Insurance Brokers 1y Report this post Report Report. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. E . Property. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed Property7 Devonshire Square, Cutlers Gardens, London, EC2M 4YH. ES. Decus Insurance Brokers is located in London, England, United Kingdom. Mr. Florida. htm EXHIBIT 21. Our facility is written 100% with certain Underwriters at Lloyd’s of London. Discover Intrepid. AA. A. “Decus" means Decus Insurance Brokers Ltd, and any and all subsidiaries. B. With more than 30 years’ experience in insurance claims, Lloyd was previously claims director of Decus Insurance Brokers. “Decus Website" or “Website" means all websites, and all subsequent pages made available by or through such websites, owned or operated by Decus or its subsidiaries. Decus Golf day 2023! ⛳️ Today we hosted our annual golf day at Ingrebourne Links Golf & Country Club We would like to say a huge thank you to our…Decus Insurance Brokers Limited. Search Crunchbase. B. The policies are nearly identical, but the agency’s private flood. At Decus Insurance Brokers we can provide open brokerage markets for most Professional classes. ") effective 1 March 2008. , a privately held London -based brokerage, is delighted to announce that Rob Withers has joined as a Divisional. Endeavour Ins Svcs. Brown & Brown also owns a broker, O’Leary Insurances, in the Republic of Ireland and already has a presence at Lloyds (Decus Insurance Brokers Ltd). Decus Insurance Brokers Limited Apr 2014 - Jun 2021 7 years 3 months. View Penelope Hodgson’s profile on LinkedIn, the world’s largest professional community. From the everyday insurance needs of high-income home and car owners, to travel, weather, and cyber protections, we have a wide range of products designed to mitigate. April Carter is a Profit Center Leader at Hull & Company, Inc. Title: Microsoft Word - Welcome to the London Market - Commercial Property - Final. Frontier Insurance Solutions Ltd | 260 followers on LinkedIn. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyDecus Insurance Brokers Limited Jan 2008 - Dec 2008 1 year. Alexander will lead a. Liked by Daniel Allen. neweuropean insurance & reinsurance brokers ltd new 72. Chief executive Anthony Strianese will be joined by Amy Ranierii as chief operating officer and Melanie Alexander as managing director. We have the most success with individual properties where the standard markets have declined to provide terms. Texas Wes Bowers | AVP DUAL North America Thomas Becker | Director - Business Development DUAL North America Brad Dame | COO e2Value Todd Rissel | CEO and Chairman e2Value Ken Shaw | Director of Sales EOX Vantage Mike Fieseler, CPL | Vice. 000006382677 Decus Insurance Brokers Limited (UK)—UK Registration No. is a new and vibrant Lloyd's Broker. CA. “We are excited to establish Brown & Brown’s retail footprint in the UK with Mike Bruce and GRP,” J. At Decus Insurance Brokers we are able to offer Mortgage Impairment coverage which provides protection against a financial institution’s owned and serviced loan portfolio in the event that no other insurance exists and the loan is in default. Robertson Taylor. Broker at Decus Insurance Brokers Limited Chelmsford. edge brokers (london) ltd 69. Our Services. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. DECUS INSURANCE BROKERS LIMITED’S COMMITMENT TO CUSTOMERS Decus Insurance Brokers Limited are committed to handing all customers complaints received promptly, fairly and in line with regulatory guidelines. I had the opportunity to intern with Decus in London where I developed. 08 Jul, 2021, 09:15 BST. K. Owned by its management, it has lead investment support from K2 Insurance Services, LLC. VA. CA. This week we're highlighting Decus Insurance Brokers Ltd. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. dublon insurance brokers ltd 67. Quickly search for B2B contacts. Russell Hicklin Divisional Director - Claims at Decus Insurance Brokers Limited. Junior Broker at Decus Insurance Brokers Limited 4w I’m happy to share that I’m starting a new position as Junior Broker at Decus Insurance Brokers Limited! First day in the office!For complex, high risk or difficult to place risks, Group brokers can access the Lloyd’s of London insurance market via our in-house Lloyd’s broker, Lonmar Global Risks, BdB and Decus Insurance Brokers. Connect Matt Keville London. Brown & Brown, a provider of insurance and reinsurance products and services, has opened its new London-based wholesale brokerage unit, Decus Insurance Brokers Limited. VA. At Decus Insurance Brokers we are able to offer Mortgage Impairment coverage which provides protection against a financial institution’s owned and serviced loan portfolio in the event that no other insurance exists and the loan is in default. Get introduced. Brown & Brown Insurance Of Arizona, Inc. Sep 2007 - Feb 20102 years 6 months. Resigned on. Connect James Wells Senior Vice President - Acrisure London Wholesale. Richard Zelonka Partner at Wood, Smith, Henning & Berman LLP Atlanta, GA. • Ability to be free to develop your business with a good underwriting delegated platform behind you. Mr. Decus Insurance Brokers Ltd. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. No more than you deserve! insurance rockstar 😉. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. Follow this company File for this company. Products. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. Indiana. US retail broker Brown & Brown is to formally launch its London market platform, Decus Insurance Brokers Ltd, with a team led by former Gallagher broker Melanie Alexander. Decus Insurance Brokers is authorised and regulated by the Financial Conduct Authority ('FCA'). Professional Lines. D. Currently working in a 'Cradle to Grave' dual broking role, gaining valuable experience in all elements of broking from producing MRC slips to presenting new and renewal business to Underwriters across the Fine Art/Specie, Energy, Marine and Healthcare sectors. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyPrivate Market Flood. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. HUB International Ltd. 0 million, an increase of 23. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. Decus Insurance Brokers, Limited is a whole-owned subsidiary of Brown & Brown, Inc. Brown & Brown’s existing subsidiaries in the UK and Ireland include O’Leary Insurances, a broker in the Republic of Ireland, and its wholly owned subsidiary Decus Insurance Brokers Ltd. Team Resources & Communications Leader•PSR Region 1mo• Decus Holdings (UK), Limited #000006382677 • Decus Insurance Brokers Limited #000006382680 1. Our European operations comprise: A Retail Division of specialist and community insurance brokers operating from more than 100 offices around the U. • Decus Insurance Brokers Limited • Delaware Valley Underwriters (DVUA) • ECC Insurance Brokers • Evergreen Re • Graham-Rodgers • Halcyon Underwriters • Mac Duff E&S Insurance Brokers • Mac Duff Underwriters • National Risk Solutions • Peachtree Special Risk Brokers • Sigma Underwriting Managers. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in. HSBC Insurance Brokers (Formerly Gibbs Hartley Cooper) 2003 - 2010 7 years. At Decus Insurance Brokers we are able to offer our clients a bespoke Homeowners Policy for your High Net Worth clients. Dec 2020 - Present 3 years. Our four business segments, Retail, National. Brown & Brown of Louisiana, LLC. M. com. NV. Brown & Brown Inc. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyCerta Insurance Partners is a specialist underwriting agency providing bespoke tax insurance solutions around the globe. Homeowners. We have a range of products across six business units. Day-to-dayLloyds Insurance Broker at Decus Insurance Brokers Limited London. Commercial Property; Cyber; Energy & Marine; Healthcare; Homeowners; Lender Placed PropertyDecus Insurance Brokers Limited 1,010 followers 4mo Wishing all of our clients, partners & friends in the US, a Happy American Independence Day! Have a fantastic 4th July. I. Edit Related Hubs Section. With its 56 employees, Decus is. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. View Dan Heywood’s profile on LinkedIn, the world’s largest professional community. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Get introduced. You can check our status at or by contacting the FCA on 0800 111 6768. Some of the hard-to-place risks will have less options, so brokers must now step up and show their worth. 6%; diluted net income per share…. Decus is a Lloyd’s Coverholder with in-house underwriters for a wide range of products, ensuring competitive and efficient handling of insurance submissions and enquiries in the SME space. Nemanja Jokic | Director of business technology Outsource Insurance Professionals, Inc. Who are Decus Insurance Brokers 's competitors? Alternatives and possible competitors to Decus. DTBB, LLC. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Liked by Kieran Reeve. Brown & Brown, a provider of insurance and reinsurance products and services, has opened its new London-based wholesale brokerage unit, Decus. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. Ballantyne will oversee all of the operations of Decus and report. Elmore Insurance Brokers 75. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. GIANT Seguros offers insurance products for automobiles, healthcare, golf, worker safety, and transportation sectors. is the sixth largest independent insurance brokerage in the nation. Virginia: Arrowhead General Insurance Agency - Atlantic Region, LLC : Georgia: Arrowhead General Insurance Agency Holding Corp. Epg Insurance. Decus Insurance Brokers specialise in this arena and are willing and able to assist anyone who is looking to learn more about the London Market capabilities with regards to Sexual Abuse and. Illinois. We commenced trading on 1st March 2008 and represent some of our key independent clients who chose to follow us to Decus, enabling us to underpin our business with a strong portfolio of Binding Autho rity and facility business. Decus Insurance Brokers Limited is a London based Insurance Intermediary with in-house Underwriting capabilities, owned 100% by Brown & Brown Insurance in Florida. feast noble. Ballantyne will oversee all of the operations of Decus and report to Neal. Michael Rayner Senior Claims Adjuster at. Decus Insurance Brokers Limited 985 followers 5mo The Decus Transportation Division are actively looking to expand their book of business, as Underwriter capacity grows with our London markets and. IL. John Shepherd, managing director of White Oak Underwriting and CEO of. NV. FL. Decus Insurance Brokers LimitedThis week we're highlighting Decus Insurance Brokers Ltd. Home. The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF; Products. The Scalpel 18th Floor, 52 Lime Street, London, England, EC3M 7AF. Powell Brown, president and chief. Brown & Brown Agents & Brokers Mergers & Acquisitions United Kingdom. Decus is an expanding dynamic company with on-line placing capabilities through it's Decus. GA. AZ. London, England, United Kingdom Claims Adjuster Canopius Group Jan 2015 - Jun 2021 6 years 6 months. Decus Insurance Brokers Ltd is headquartered in England. Connect Robert Bloore Professional Lines Broker at Decus Insurance Brokers Limited. DE. DTBB, LLC. K. For complex, high risk or difficult to place risks, Group brokers can access the Lloyd’s of London insurance market via our in-house Lloyd’s broker, Lonmar Global Risks, BdB and Decus Insurance Brokers. made up to 31 December 2016 - link opens in a new window - 27 pages. More. At Decus Insurance Brokers we understand the ever increasing threats and risks to organisations arising out of cyber-attacks. Medval, LLC. We commenced trading on 1st March 2008 and represent some of our key independent clients who chose to follow us to Decus, enabling us to underpin our business with a strong portfolio of Binding Authority and facility business. and Ireland, focused on delivering a specialised, personal service to their customers. 44 (0)203 006 36630. Florida. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees. Broker at Decus Insurance Brokers Limited London, England, United Kingdom. Our FCA Register number is 477319. Broker at Decus Insurance Brokers 11mo Report this post Amwins Global Risks 11,391 followers 11mo Edited. Having formed a robust infrastructure for the future. Boston, MA and London, UK (PRWEB) October 27, 2009 Exari Systems Inc. London, United Kingdom. Ballantyne Brokers Ltd is an independent London market broker which combines the best traditions of a Lloyd's Broker with high quality digital platforms to deliver an outstanding client service. At Decus Insurance Brokers our onshore and offshore Energy & Marine placement and handling capabilities range from Energy Construction to Operational All Risks, from the point of resource extraction all the way to the production of power, including Hull and Machinery, associated Liabilities and Cargo. ECC Insurance Brokers, Inc. Profit Center Leader at Hull & Company, Inc. Join to view full profile. May 2017 - May 20236 years 1 month. London, United Kingdom Manager Peachtree Special Risk Brokers May 2001 - Dec 2007 6 years 8 months. We have the most success with individual properties where the standard markets have declined to provide terms. and Ireland, focused on delivering a specialized, personal service to their customers Lloyd’s and London market brokers Lonmar and Ropner, BdB and Decus Insurance Brokers, which operate in the. FL. DECUS INSURANCE BROKERS LIMITED COMPLAINTS PROCEDURE How to make a complaint: Should you wish to make a complaint against Decus Insurance Brokers Limited [A complaint is any written communication where there is an expression. a credit or debit card for payment. Decus was originally set up in March 2008 and has grown in 2017 to 33 employees.