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.
The risks we see
What actually goes wrong in this sector.
Programme fragmentation
Cover accumulated department by department produces duplicated premiums and uncovered exposures at the seams between policies.
Multi-site aggregation
Limits set for one location may be inadequate when a single event affects several sites at once.
Directors' and professional exposure
Decisions made by senior people create liabilities that a standard commercial policy does not answer.
Contractual obligations
Customer and lender contracts impose specific insurance requirements. Breaching them is a commercial risk as well as an insurance one.
Cover that responds
What we would look at placing.
A starting point, not a recommendation. What you actually need depends on how you operate, and that is a conversation.
Customised Corporate Risk Solutions
A structured programme rather than assembled policies.
Professional Indemnity Insurance
Claims arising from advice, design or professional work.
Public Liability Insurance
Third-party injury and property damage across all sites.
Employee Benefits
Health, group life and accident cover as a retention tool.
Business Insurance
Interruption cover sized to real recovery timelines.
Gaps we find when we review existing policies
If you already have cover, start here.
These are the things we most often find missing when we read a policy in this sector. Any one of them is worth checking today, whether or not you ever speak to us.
- Overlapping cover between policies bought by different departments
- Indemnity periods too short for the actual rebuild or replacement timeline
- Contractual insurance requirements not reflected in the policies held
- No single view of total exposure across sites and subsidiaries