Services designed to make
your insurance perform.
How we work
Your specialist insurance.
We came from the underwriting side of the desk. We understand what an underwriter wants to see in a risk and submission. That is why nothing in your programme gets placed on autopilot.
Property risk placed the way Lloyd's underwriters think about it.
Property can often be misplaced. Declared values sit below what a rebuild would actually cost, because nobody has revisited them since the last surveyor's report. Business interruption indemnity periods sit at twelve months because that is what the schedule said last year, not because anyone has worked out how long it takes to get planning, a contractor and a listed building consent in the same year. Flood and subsidence wordings get accepted without challenge, usually because nobody read far enough to know there was something to push back on.
Johnny came out of Property underwriting and broking at Tysers and Ki. Every Property risk is tested before it goes near a market, using our own reinstatement and underinsurance model, whether that's a commercial portfolio, a mixed-use estate, or a listed building where a standard rebuild figure was never going to be right.
What shapes your terms
What it's built of — construction, age, and the details an underwriter wants confirmed rather than assumed
What happens inside it — trade and process, and how that changes the fire picture
How it's protected — detection, suppression, security, and whether any of it has been tested recently
What's around it — flood, subsidence, neighbouring occupancies, and the exposures you didn't choose
Get those four right and a Property submission stops being a form and starts being an argument. That's the work we do before your renewal comes round.
Cyber cover that reflects how your risk actually behaves.
Cyber is one of the few classes where preparation pays back immediately. Underwriters price what they can see, so a business that can show how it protects, detects and recovers gets better terms, broader cover and access to markets that would otherwise be closed to it.
Our job is to make sure everything you have built is visible in the submission. We work through your controls before anything goes to market, put them in the terms underwriters price against, and take the risk to the people who write this class properly. Where there is something to strengthen, you hear it from us early enough to do something about it before renewal.
What shapes your terms
How you protect — access, identity and the controls the market now treats as a baseline
How you detect — what you would see, and how quickly
How you recover — what your continuity plan delivers in practice, not on paper
How you respond — who acts in the first hours, and on whose authority
Get those four right and the Cyber market becomes a competitive one. That is the conversation we want to have with you before your renewal, not during it.
Public and employers’ liability, usually arranged together. Employers’ liability is compulsory in the UK, and public liability is required under most commercial contracts.
Cover for injury or damage caused by a product after it has left your control. Limits depend on where the product is sold, and exposure rises sharply for anything sold into the United States.
Cover for firms providing advice, design, or professional services, where a client alleges the work was wrong. Policies respond to claims reported during the period of cover.
Cover for directors and senior managers personally, where they are sued or investigated over how the company has been run. The cost of responding to a regulator is often the largest single item.
Cover for a project while it is being built, including the works, the plant on site, and the liabilities arising from them. Extensions respond to revenue lost if damage delays completion.
Cover for goods while they are being moved by sea, air, road, or rail. It responds to loss or damage in transit and can be extended to goods held in storage.
Group personal accident, business travel, and medical cover for employees, including those working overseas. It pays a fixed sum on death or serious injury rather than reimbursing a financial loss.
Cover for damage caused by terrorism, which UK property policies exclude as standard. Wider wordings can extend to riot, civil unrest, and political violence, and can cover assets held overseas.
A combined programme for banks, insurers, asset managers, brokers, and financial technology firms. It brings crime, professional indemnity, and directors’ cover into a single arrangement.
Cover arranged around the sale or purchase of a company. It responds to a breach of the warranties given in the sale agreement, in place of a claim against the seller.
Liability cover for hospitals, clinics, care homes, and practitioners facing claims from patients. It also covers the health and dental schemes an employer arranges for staff.
Cover for vessels and their machinery, and for businesses that work with ships without owning them. It extends to ports and terminals, marine construction, and pleasure craft.
Cover for non-payment by a customer, and for government action that stops you being paid. Arranged by exporters and by banks lending across borders.
Cover for events that do not take place as planned, whether cancelled, postponed, cut short, or relocated. It responds to costs already committed, the profit that would have been made, or both.
Paintings, sculpture, antiques, and collections, whether on display, in storage, or in transit. Values are agreed at the outset and paid in full following a total loss.
Cover for items of high value relative to their size, including bullion, cash, jewellery, and stock held in vaults or in transit. Policies set out the security arrangements that have to be in place.
Cover for oil and gas operations, from offshore platforms through to refineries. It also covers wind, solar, battery storage, hydro, and biomass projects, through construction and into operation.
Cover for aircraft and the liabilities that come with operating them, whether airline fleets, private aircraft, helicopters, or flying schools. It extends to manufacturers, airports, and ground handling.
Cover for animals, including racehorses, breeding stock, competition horses, farm livestock, and zoo collections. Policies respond to death, with extensions where an animal survives but can no longer perform.