Insurance Solutions
Whatever you need to protect, we can place it.
18 classes of cover, grouped by what you are protecting rather than by how insurers file them. Each page says what the policy does — and, just as importantly, what it does not.
Personal & Family
Cover for individuals and households. The question is rarely which product — it is what your family would actually need if your income stopped, or if the house had to be rebuilt.
Health Insurance
Treatment paid for at the point of use, rather than out of savings you were keeping for something else.
What it coversLife Insurance
A lump sum for the people who depend on your income, if that income stops permanently.
What it coversMotor Insurance
Cover for your vehicle and for the harm it could do to someone else.
What it coversTravel Insurance
Medical treatment, cancellation, delay and lost baggage while you are away from home.
What it coversProperty Insurance
Cover for buildings and their contents against physical damage and theft.
What it coversPersonal Accident Insurance
A fixed sum paid for death or disability caused by an accident, whatever the medical bills.
What it coversBusiness & Commercial
Cover for your people, premises, stock and liabilities. Sized to how your business actually operates rather than to a standard package.
Business Insurance
A combined package for smaller businesses, usually including property, liability and business interruption.
What it coversFire & Special Perils Insurance
The standard commercial property policy — fire, lightning and explosion, plus named extras.
What it coversGroup Life Insurance
One life policy covering your whole workforce, usually without medical examinations.
What it coversEmployee Benefits
Health, life and accident cover arranged as a package for your staff.
What it coversPublic Liability Insurance
Cover for injury or damage your business causes to members of the public or their property.
What it coversGoods-in-Transit Insurance
Cover for your goods while they are being moved, which a property policy does not reach.
What it coversSpecialist & Corporate
Marine, engineering, energy, aviation and professional risk — plus bespoke corporate programmes where a collection of separate policies would leave gaps.
Marine Insurance
Cover for goods moving by sea or air, and for the vessels that carry them.
What it coversEngineering Insurance
Cover for machinery, plant and construction works — including breakdown, which fire policies exclude.
What it coversOil & Gas Insurance
Energy-sector property, control of well and liability cover, placed as a structured programme.
What it coversAviation Insurance
Hull, passenger and third-party liability cover for aircraft and their operation.
What it coversProfessional Indemnity Insurance
Cover for claims that your advice or professional work caused someone a financial loss.
What it coversCustomised Corporate Risk Solutions
A designed insurance programme for organisations whose risk does not fit standard products.
What it coversNot sure which of these applies to you?
That is the normal position, and it is the reason the risk check exists. Two minutes, no jargon, and it works backwards from what you are actually trying to protect.
Know Your Risk