Cover · five sectors
The wording is the product. The premium is just the price.
Every policy below is placed on a wording we have read line by line. Where an insurer's standard form leaves a gap, we say so in writing before you buy it.
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Placed for every client
The four that nobody should be without.
Employers' liability
Compulsory from the first employee. £10m as standard, and we check that labour-only subcontractors are actually caught by the wording.
Public & products
The one most often bought at too low a limit. Contract requirements have moved from £2m to £10m in most sectors and policies have not.
Cyber
No longer optional for anyone holding customer data or taking payment. Includes ransomware response and ICO defence costs.
Business interruption
Where nearly every under-insurance dispute originates. We calculate the indemnity period with you rather than copying last year's.
Read this bit
Under-insurance is the reason claims get cut.
If your sums insured are 40% below the true reinstatement cost, the insurer is entitled to reduce a settlement by roughly the same proportion. That applies to a £40,000 claim as readily as to a total loss, and it is not a technicality — it is the single most common reason a business is paid less than it expected.
We commission a desktop valuation for every client above £2m of declared values, at our cost, every three years. It is not a service most brokers offer because it occasionally increases the premium.
Send us your current schedule.
We will mark it up and return it with the gaps highlighted, whether or not you move to us.
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