For businesses
Corporate Insurance Solutions
One broker for the whole programme: property, liability, cyber, marine, engineering, employee benefits and specialty risk - placed, serviced and claimed.
Cyber Insurance
Cover for the cost of a breach, a ransomware event and the downtime that follows.
Learn moreProperty Insurance
Fire, special perils and the trading income you lose while you rebuild.
Learn moreLiability Insurance
When a third party claims your business caused their loss.
Learn moreCredit Insurance
Sell on credit terms without carrying the whole risk of non-payment.
Learn moreMarine Insurance
Goods in transit, by sea, air, road or rail - domestic and export.
Learn moreEngineering Insurance
Projects under construction, plant being erected, and machinery that breaks down.
Learn moreEmployee Benefits
Medical, accident and life cover for the people who run your business.
Learn moreGroup Health Insurance
Group mediclaim for employees, and the family members they support.
Learn moreGroup Personal Accident
24 hour accidental death and disability cover, on duty and off.
Learn moreGroup Term Life
A lump sum to the family, funded by the employer.
Learn moreMergers and Acquisitions Insurance
Insurance that helps a transaction close cleanly.
Learn moreCrisis Management
For the events that threaten the business rather than an asset.
Learn moreReinsurance
Capacity for risks larger or more complex than one insurer will hold.
Learn moreHow a corporate programme comes together
Risk review
We map what you own, what you move, what you owe and who you employ, then find the gaps in what you hold today.
Programme design
Limits, deductibles, extensions and the order in which policies respond, so two policies do not both decline the same loss.
Market approach
Quotations from multiple insurers, compared on wording, claims record and service - not premium alone.
Servicing
Employee additions and deletions, endorsements, e-cards, and one point of contact who knows your account.
Claims
We prepare the file, submit it, answer queries and follow it to settlement.
Frequently asked questions
Why use an insurance broker instead of buying direct?
A broker acts for you, not for one insurer. We approach several insurers for the same risk, compare the wordings as well as the premiums, and handle the claim on your behalf. Buying direct gives you one company's products and leaves the claim paperwork with you.
Does using a broker cost more?
No. Brokerage is paid by the insurer out of the premium and is regulated. The premium you pay is not higher for having used a broker, and a market comparison often lowers it.
Can you help with a policy I bought somewhere else?
Yes. We will review an existing policy and explain what it does and does not cover. We can also assist with a claim on a policy placed elsewhere, and take over servicing at the next renewal.
How long does a quotation take?
For standard personal cover, usually the same or the next working day. For a corporate programme it depends on how quickly the underwriting information is available - typically three to seven working days.
What happens if I claim?
Tell us as soon as the event happens. We confirm what the policy covers, list the documents needed, submit the claim, coordinate the surveyor or TPA, answer the insurer's queries and follow the file to settlement.
When should I start a renewal?
Ninety days before expiry for a corporate programme, thirty for personal cover. That is the point at which terms can still be negotiated. We send reminders at 90, 60, 30 and 15 days.
Reviewing your corporate programme this year?
Send us your current policy schedules. We will tell you where the gaps are before we quote anything.