Industries We Serve
Your sector fails in its own particular way.
Generic cover is written for an average business that does not exist. These guides set out the exposures we actually see in each sector — and the gaps we find when we read their policies.
SMEs & growing businesses
Small businesses carry the same categories of risk as large ones, with none of the balance sheet to absorb them. One fire, one liability claim or one stalled month can end an otherwise healthy business.
Corporate organisations
At scale, the problem is rarely a missing policy. It is a collection of policies bought at different times by different people, which overlap in places and leave gaps in others.
Logistics & haulage
Logistics carries two risks at once — the vehicle and the cargo — and they are covered by two different policies. Holding one and assuming it covers both is the mistake we see most often in this sector.
Construction & engineering
Construction risk changes shape every week of a project. Cover that fitted at groundworks is often wrong by the time you are fitting out, and the liabilities extend well past practical completion.
Manufacturing
In manufacturing the machine is the business. A fire policy will rebuild the factory, but it will not pay when a single critical machine fails from an internal fault — and that is the loss most likely to stop production.
Healthcare providers
Clinics and hospitals carry a combination almost no other sector does: expensive equipment, continuous operation, and professional liability arising from clinical decisions.
Schools & education
Schools are responsible for children, which changes the character of every risk on the premises. The exposure is not primarily financial — but the financial consequences of an incident are severe.
Oil & gas
Energy risk is placed as a structured programme, not as a set of policies. The values are large enough that reinsurance capacity, local content rules and contractual obligations all shape what is achievable.
Hospitality & retail
Hospitality and retail depend on customers physically coming to one location. That makes public liability and business interruption the two covers that matter most, and both are routinely under-bought.
Professional services
For firms whose product is judgement, the largest exposure is not the office. It is a claim that the advice was wrong — and those claims can arrive years after the work was done.
Not listed? Tell us what you do — we build bespoke corporate risk programmes.