Property and business interruption
Buildings, contents, plant and the income exposed when operations stop.
Solutions
Coverage arranged around how the business actually operates.
Our practice spans commercial, professional, personal and specialty lines. In each case the starting point is the same: understand the exposure, then determine what the market can sensibly transfer.
Commercial lines
General and products liability
Third-party injury and damage arising from premises, operations and goods supplied.
Commercial motor and fleet
Owned, leased and non-owned vehicle exposures, including driver management terms.
Employers liability and workers compensation
Statutory obligations alongside employer-side exposures.
Professional and management
Professional indemnity
Claims arising from advice, design or professional service delivery.
Directors and officers
Personal exposure of directors, officers and the balance sheet behind them.
Cyber and data
Incident response, business interruption, liability and regulatory cost.
Crime and fidelity
Internal and external dishonesty, social engineering and funds transfer fraud.
Personal and specialty
Private clients
Residences, collections, valuables and personal liability co-ordinated as one programme.
Construction and engineering
Contract works, plant, delay in start-up and contractual insurance requirements.
Marine and cargo
Goods in transit, storage and stock throughput arrangements.
Trade credit and surety
Receivable protection and bonding capacity for contractual obligations.
Process
- 01
Discovery
Review of operations, contracts, claims history and existing wordings.
- 02
Market approach
Structured submission to relevant insurers with a defined negotiation strategy.
- 03
Placement
Comparison of terms, written recommendation, binding and documentation.
- 04
Stewardship
Mid-term changes, claims advocacy and a renewal review well ahead of expiry.