Our Approach
Most commercial insurance
is placed, not designed
Before we go to market
We read the schedule and wording you already have. Rebuild values get checked against current build costs. Indemnity periods get looked at against how long a recovery would really take. If something needs attention, we'll raise it with you then rather than at renewal.
Then the placement
Your risk goes to market with the full picture behind it: construction, protections, claims history, everything an underwriter needs to price it properly, not a stripped-down form designed to get a fast quote back. That's the difference between terms that actually reflect your risk and terms that unravel the moment you need to claim.
The conversation before you sign
We walk you through how your wording responds to a loss before you sign it, not after. Values checked, exclusions in plain English, and time spent on the parts that decide whether the cover holds.
We measure success at year three, not year one
A sharp first-year price is easy. What matters is what the programme does when it is tested, and whether the person who placed it still answers the phone. When something goes wrong, we are accountable.
The details
Three common defects found in a commercial programme, and what each one costs when it is tested.
The shortfall that only shows up at settlement
A 20% shortfall gone unnoticed can be catastrophic to a business. There is a £500,000 fire, average settles at £400,000 and the owner funds the other £100,000 out of cash flow, on a loss they would have expected to be covered. A rebuild figure that was right six years ago is not right now, and nothing on the schedule tells you that.
Worked example — Commercial property
£1.4M
Declared-value shortfall
A £7m rebuild cost, declared at £5.6m
20%
Cut from every claim, not just a total loss
Condition of average, applied at settlement
The loss that falls between two policies
A production line stops because the software controlling it has been encrypted. There's no fire, no flood, nothing broken, so the Property and business interruption cover has nothing to respond to. Whether the Cyber policy pays depends on how its trigger is drafted and whether operational technology sits inside the definition. That question gets answered at the claim unless somebody reads both wordings side by side first.
Worked example — Cross-class
2
Policies in the file
Property and Cyber, bought separately, a year apart
1
Loss that fits neither cleanly.
Nothing was physically damaged, so the Property policy never engages
What the waiting period actually costs
Ask your broker how long the business has to be down before the cyber policy pays anything. Then ask how quickly the insurer has to be told. Those answers decide most of what the policy is worth on the day something happens. Telling the ICO about a reportable personal data breach within 72 hours of becoming aware of it is a third clock, and a separate obligation from telling your insurer.
Worked example — Technology and SaaS
72hr
To notify the ICO of a personal data breach
UK GDPR, Article 33. Your policy has its own notification terms, and they are not the same clock
0
Hours of business interruption cover inside the waiting period
Usually measured in hours, not minutes. Check yours
What to expect when partnering with us
This is a process from first conversation to live cover.
Discovery
We start with the business: what you do, what would genuinely hurt, your demands and needs, and what good looks like to you.
Fair presentation
Your submission gets built properly: values tested, exposures mapped, wording checked against the risk rather than against the template.
The market
We utilise our extensive market access and relationships to get you the best results.
The recommendation
A written recommendation before cover is bound, covering what we are proposing, why it suits the business, and exactly where the cover reaches.
Ongoing service
A named founder on the account, and a 60-day pre-renewal review built in.