Specialist Areas

During the last 35 years, we have seen an increasing use of the word “experts” all too frequently being used to identify the level of ability in a specific sector or area of business in relation to the insurance arrangements. This is far too often, in our opinion, overused and has now become almost a standard response having arranged 1 or 2 types of contracts.

We completely disagree with the use of “expert”.

Our level of knowledge has been built upon and around our experience of placing insurance contracts for clients within certain sectors. This has enabled us to act on behalf of SME’s, national and multi-national companies with specific needs in certain territories and the full integration of the insurance program at both a local and global level, along with Investment Managers with bespoke requirements in relation to the Professional Indemnity and Directors & Officers Liability, to privately owned companies providing outsourced services to national organisations requiring much higher Limits of Indemnity than would typically be seen in respect of Liability Insurance.

Our knowledge has allowed us to gain a very broad but detailed understanding of a client’s requirements in relation to the insurance contracts identified as being required. This in turn allows us to ensure bespoke inclusions within the contract provide the appropriate and correct basis and level of cover to obtain the short, medium and long-term aims of the program.

Specialist Knowledge

With accumulated knowledge spanning decades within the industry, we have been extremely fortunate to be able to count upon numerous clients across many sectors. Inevitably, as client requirements adapt and change to the needs of their sector, so to must the insurance program. As a result, this has enabled us to obtain considerable experience in the placement of insurance programs and specific contracts that address current and future requirements via detailed interaction and management of the contract or program.

Throughout these years, our client base has and continues to include a diverse range of industry encompassing Investment Management to Health & Safety, Heating Contractors to Waste Re-processing, Construction to Property owners.

We take the mentality that no 2 clients require the same approach and needs from a “standard” contract of insurance. If you consider a specialist Financials Lines contract, such as Management Liability, the requirements of cover will vary between industry. By example, the requirements of a global Investment Management Liability contract differ considerably from a privately owned Heating contractor, the former of which may have a greater need on Outside Directorship cover compared to the latter that would require a much more specific need for asset protection via cover for the Entity as a joint or sole named assured.

Contracts you enter into will also place differing demands on the insurance program – again by example, contracts with local authorities or for those working at Airports will require much higher Limits of Indemnity in respect of Public/Products Liability and the need for Aviation Products Liability. These limits are typically arranged via Excess of Loss contracts and we are very accustom to placing Limits for our clients of £50m Public/Products Liability where required.

Nearly all insurers are active in the Property Owners market, which is inherently competitive.

Our client base includes Property Owners domiciled both in the UK and overseas with considerable and single portfolios, and our administration enables our client base to recharge their client base well in advance of renewal and thereby ease the potential for problems with recharge.

Contracts:-

Whilst by no means exhaustive, our client base has enabled us to understand those risks sufficiently inherent to and require placement of:-

• Professional Indemnity
• Property Owners
• Commercial Combined All Risks
• Fleet

Client Sectors:-

• BioMass Industry
• Heating Contractors
• Electrical Contractors
• Construction inc. Earth Removal
• Food Industry