Commercial Insurances
Business Package Insurance
Provides a bundled solution for core SME risks, typically combining property damage, business interruption, public and products liability, theft, and defined accidental damage. Designed to protect business premises, contents, revenue continuity, and third-party exposures under a single, efficient structure.
Industrial Special Risks (ISR)
Comprehensive protection for mid-market and corporate organisations with complex assets and higher values. ISR policies provide broader and more flexible cover for material damage and business interruption, including machinery breakdown, increased cost of working, and tailored extensions aligned to operational realities.
Public & Products Liability
Covers legal liability arising from personal injury or property damage to third parties caused by business operations or supplied products. This is a foundational protection for businesses interacting with customers, contractors, or the public, including defence costs and compensation awards.
Professional Indemnity
Protects businesses and professionals against claims arising from errors, omissions, negligence, or breaches of professional duty. Cover extends to legal defence costs and damages, and is critical for advisory, consulting, technology, and professional services firms.
Management Liability (Directors & Officers)
Provides protection for directors, officers, and senior management against claims alleging wrongful acts in the management of a business. This includes D&O liability, employment practices liability, and statutory liability, safeguarding personal assets and corporate balance sheets.
Cyber & Privacy Liability
Covers financial loss arising from cyber incidents, data breaches, system failures, ransomware attacks, and privacy breaches. Policies typically include incident response costs, business interruption, regulatory defence, and third-party liability.
Contract Works & Construction Insurance
Designed for construction and infrastructure projects, covering physical loss or damage to works under construction, materials, and temporary structures. Often combined with public liability and principal-arranged covers to address project-specific risk allocations.
Plant, Machinery & Equipment
Provides protection for mobile and fixed equipment against accidental loss or damage, including machinery breakdown and consequential loss. Particularly relevant for construction, transport, agriculture, and industrial operations.
Marine Cargo & Transit
Covers goods while in transit, including domestic and international shipments, storage incidental to transit, and multimodal transport. Protects against loss or damage arising from accidents, theft, and handling risks.
Motor Fleet & Commercial Motor
Covers company-owned, leased, or operated vehicles against accidental damage, theft, and third-party liability. Fleet programmes can be structured to optimise claims experience, excess structures, and risk management outcomes.
Workers’ Compensation
Statutory cover for employee injury or illness arising out of employment. While regulated by jurisdiction, effective structuring and claims management can materially impact cost, compliance, and workforce outcomes.
Environmental & Pollution Liability
Provides protection for gradual and sudden pollution events, contamination, clean-up costs, and third-party claims. Increasingly relevant for industrial, property, waste, and infrastructure-exposed businesses.
Trade Credit Insurance
Protects against non-payment by customers due to insolvency or protracted default. Supports balance-sheet protection, credit management, and growth into new markets.
Personal Insurances
Home & Contents Insurance
Covers residential buildings and personal possessions against events such as fire, storm, theft, and accidental damage. Policies can be structured for standard residences through to high-value homes requiring bespoke terms.
High-Value Home & Valuables
Tailored protection for high-net-worth individuals, covering homes, fine art, jewellery, collections, and lifestyle assets. Emphasises broader policy wordings, higher limits, and specialist claims handling.
Motor Vehicle Insurance
Provides cover for private vehicles, including comprehensive, third-party property damage, and optional extensions. Can be structured for prestige, collectible, or high-performance vehicles.
Personal Liability
Covers individuals and families for legal liability arising from personal activities that result in injury or property damage to others, extending beyond standard home policies where required.
Travel Insurance
Provides cover for medical expenses, cancellations, lost luggage, and travel disruptions for domestic and international travel, including tailored options for frequent or extended travellers.
Pleasure Craft & Marine
Covers boats, yachts, and watercraft against physical damage, theft, and liability exposures, including marina and navigation risks.