Sapphire Management Services Ltd provides a full range of ICOBS compliance advice and implementation to the general insurance industry. The principal consultant, Sharon Ketley FCII Chartered Insurer has over 30 years insurance expertise (provincial & London Market) covering underwriting, broking, project management, process improvement, training and change management. Sapphire works with its clients to understand their ethos and current business operations in order to embed ICOBS and market requirements; whilst ensuring optimum process efficiency and thereby saving costs. Sapphire's services include : Full implementation, "Health Checks" , FCA Visit preparation, File Audits & Staff Training. Sapphire provides a professional, reliable service; integrating fully with client's existing teams.