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Cover we can arrange
Every policy below is placed with insurers on your behalf. We match the wording to how your business actually operates rather than fitting you into an off the shelf package.
Commercial insurance
Start with the exposure, not the product.
Most businesses need several of these working together. We will tell you which ones genuinely apply to you and which ones you can leave alone.
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.
Commercial Legal Expenses
Funds legal costs and gives you access to advice lines for employment disputes, contract disputes, tax enquiries and property matters.
Commercial Combined
Brings property, contents, stock, liability and business interruption together in a single policy. Usually the most efficient route for a business with premises and staff.
And other products including: Motor Fleet, Loss Recovery, Clinical Trials, Property Owners, Contractors Combined and Engineering.
Sectors
Who we work with.
Medical cannabis is our best known specialism. It is not the only thing we do.
If your trade is not listed, ask anyway. Part of a broker's job is knowing which insurers will look at an unusual risk and how to put it in front of them.
Tell us what you need to coverAlready insured elsewhere?
Send us your current schedule and wording. We will read it properly and come back to you with what we find.
- Gaps between policies that nobody has spotted
- Exclusions that would bite on the work you actually do
- Limits and indemnity periods that no longer match the business
- An honest answer if your current cover is already right
Not sure which of these you need?
Tell us what the business does. We will work out what belongs in the programme and what does not.