Charities & Care

Societal change brings new and enhanced challenges to the charity and care sectors, requiring specialist insurance advice.

Employee Benefits

In today’s competitive employment market a well-designed benefits package is essential to attract, retain and reward high quality talent.  We focus on designing attractive benefit plans which enable your business to offer market leading solutions.

Global Programs

Experience in arranging global programmes, and mature relationships around the world, are an essential of insuring the modern business.

Tech & Innovation

We have developed a flexible ‘full service’ proposition for today’s technology businesses, and commit to continually innovating our solutions for our clients’ evolving needs.

Commercial Insurance

The traditional risks of a business can normally be grouped under a “commercial insurance package” which combine a number of standard covers for assets, revenue interruption, cash, employers liability, public and product liability, and legal expenses. This grouping controls cost and enables very wide policy wordings and “add on covers” to be obtained easily and efficiently.

“In 40% of claims the business interruption interruption sum insured was too low by a factor of on average 45%”
Chartered Institute of Loss Adjuster’s Report, 2012

Whilst commercial policies are seen by many as straightforward they are far from this, often running to more than 100 pages of print. Particular attention needs to be paid to, inter alia:

  • Basis of valuing assets
  • Revenue sum insured calculation
  • Supply chain dependencies
  • Adequate business description
  • Insurers standard security conditions