Insurance arranged around the risks you actually carry.
Cupican is a specialist commercial insurance broker. We take the time to understand how your business really works, then go to market on your behalf to place cover that will respond when you need it.
We are a broker, not an insurer. We act for you, negotiate with insurers on your behalf and stay with you through the policy year and any claim.
Why use a broker
Someone in the market whose job is to argue your case.
Advice from your side of the table
As a broker we are appointed by you, not by an insurer. Our job is to understand your exposures and present them to the market in the way most likely to get you the right terms.
Access to specialist insurers
Some risks never fit a standard trading platform. We know which insurers will genuinely underwrite them, and how a submission needs to be put together before it gets taken seriously.
One team who know your file
You will not be handed round a call centre. The people who place your cover are the people who review it at renewal and pick up the phone when you need to claim.
How we work
Four steps, no surprises.
Most gaps in cover come from a risk nobody thought to ask about. We would rather spend the time up front.
We learn the business
A proper conversation about what you do, who you do it for, where you do it and what would hurt most if it went wrong.
We go to market
We approach insurers who will genuinely consider your risk, present it properly and negotiate terms, limits and price on your behalf.
We explain the terms
You will know what is covered, what is excluded and where the limits sit before you commit to anything. Nothing important gets left in the small print.
We stay with you
Mid-term changes, renewal and claims. If something goes wrong we deal with the insurer so that you can get on with running the business.
Cover we arrange
Commercial insurance, matched to how you actually operate.
Medical Malpractice
Protection against allegations of clinical negligence arising from treatment, advice or prescribing. We can approach insurers who will consider specialist and emerging areas of practice, including the prescribing of unlicensed medicines.
Professional Indemnity
Responds to claims that your advice, designs or professional services caused a client financial loss. Relevant to consultants, clinicians and anyone whose judgement clients rely on.
Employers' Liability
A legal requirement for almost every UK business that employs staff. It responds to claims from employees who are injured or made unwell by their work.
Public Liability
Responds when a member of the public is injured, or their property damaged, in connection with your business, whether that happens at your premises or out on site.
Product Liability
Covers claims for injury or damage caused by a product you have manufactured, supplied, imported or sold. It matters across the whole supply chain, not only at the point of manufacture.
Business Interruption
Replaces lost income and helps meet ongoing costs when an insured event stops you trading. Getting the indemnity period and sum insured right matters far more than shaving the premium.
Specialist sector
The medical cannabis sector, understood properly.
It is a market where standard wordings often exclude the very thing you do, and where a policy that looks right on the schedule can leave you badly exposed. Richard Cupit has spent years placing these risks, working alongside prescribers, clinics and the supply chain behind them.
How we approach this sector- Prescribing clinicians and private clinics
- Importers, cultivators and manufacturers
- Distributors, pharmacies and dispensaries
- Clinical trials, consultants and technology providers
We already had cover in place and assumed we were fine. Richard went through the wording line by line, found the exclusion that would have caught us and rebuilt the programme around how the clinic actually operates. It was the first time anybody had explained insurance to me properly.
Common questions
The things people ask first.
Are you an insurer?
Do you only handle medical cannabis insurance?
What does it cost to use a broker?
What happens if I need to make a claim?
Can you review cover I already have?
Let us tell you whether we can improve on what you have.
A short conversation is usually enough. If your current cover is already the right fit, we will say so.