Why this exists
At scale, cover bought piecemeal overlaps in places and leaves gaps in others. A programme designed as a whole is usually cheaper and materially easier to claim against.
What it covers
- Programme design across all classes and locations
- Risk surveys and exposure mapping before placement
- Coordinated renewal dates and consistent wordings
- Claims handling and escalation across the programme
- Alignment of cover with contractual obligations
What it does not
- Risks deliberately retained under an agreed retention
- Exposures not disclosed during the survey
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Multi-site and multi-entity organisations
- Businesses with contractual insurance obligations to clients or lenders
- Groups whose cover has accumulated department by department
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.