Different industries face distinct risk challenges that generic insurance approaches simply can't address effectively. We've developed specialised expertise across key sectors, with our industry focus allowing us to identify exposures that generalist brokers often miss, and finding insurance solutions that reflect the nuanced operational realities of each.
As construction specialists with hands-on industry experience, we understand that every construction project faces unique risks requiring tailored insurance solutions. Through comprehensive analysis of your contractual obligations, business structures, and operational challenges, we develop customised coverage strategies that protect your business at every project phase.
We analyse your complete project risk profile—from professional indemnity exposures and marine transit risks to off-site manufacturing vulnerabilities. Our comprehensive approach doesn't stop at construction completion; we structure protection that transitions seamlessly into the operational phase, ensuring continuous coverage throughout your project's entire lifecycle.
Construction projects face unique risks at every stage of development. Standard liability policies often contain exclusions that leave builders exposed to significant uninsured losses. Our construction specialists analyse your specific contractual obligations, project timelines, and subcontractor arrangements to identify these coverage gaps. We structure insurance programs that align with project contracts, satisfy financier requirements, and protect your business from the specialised risks that generic business insurance simply won't cover. When claims occur, our detailed documentation and industry knowledge significantly improve settlement outcomes.
Not-for-profit organisations operate under distinct regulatory frameworks and face unique liability exposures. We understand the governance requirements, volunteer management challenges, and funding constraints that shape your risk profile. Our specialised NFP insurance solutions address management liability, volunteer protection, and event risks while remaining mindful of budget limitations. We leverage our market relationships to secure competitive coverage specifically designed for the not-for-profit sector.
Civil works projects involve significant machinery investments, complex contractual arrangements, and substantial public liability exposures. We understand the detailed risk allocation within industry contracts and ensure your insurance aligns with these obligations. Our specialised approach addresses the unique challenges of working on public infrastructure, including traffic management risks, environmental exposures, and professional liability for design elements. We structure programs that protect your business through all project stages.
Professional service firms face substantial liability exposures from the advice they provide. We analyse your specific client contracts, service offerings, and risk management protocols to identify areas where standard professional indemnity policies might leave gaps. Our tailored approach addresses the evolving cyber exposures professional firms face and ensures appropriate management liability protection for directors and officers. We structure programs that protect your professional reputation and business continuity.
Strata insurance requirements balance the needs of multiple stakeholders with varying priorities. Our specialised approach goes beyond basic building coverage to address liability concerns, machinery breakdown, office bearers' exposures, and catastrophe risks. We understand the unique challenges of strata committee decision-making and provide clear advice that helps committees meet their obligations while optimising protection for all property owners.
Property investment and development create distinct insurance challenges at different project stages. We structure policies that transition smoothly from existing building coverage to construction risks and then to completed property protection. Our approach addresses the specific liability exposures during tenant improvements, redevelopment work, and property management activities. We ensure your insurance program aligns with financing requirements while providing genuine protection against property-specific risks.
Hospitality businesses face a complex web of liability exposures related to food safety, alcohol service, and public safety. Our specialised approach addresses these operational risks while also protecting your physical assets, business income, and management liability. We understand the specific challenges of seasonal demand fluctuations, staff turnover, and regulatory compliance in the hospitality sector. Our tailored programs respond to these unique industry pressures.
Motor trade businesses face specialised risks from customer vehicle possession, repair activities, and parts storage. We structure insurance programs that address the unique liability exposures when working on valuable vehicles, test-driving customer property, and providing technical advice. Our approach includes appropriate protection for specialised tools, diagnostic equipment, and premises designed for vehicle operations. We understand the regulatory environment and ensure your coverage meets all statutory requirements.
Manufacturing operations face complex challenges from supply chain vulnerabilities, machinery dependencies, and product liability exposures. Our approach begins with detailed analysis of your production processes, critical equipment, and quality control protocols. We structure programs that address business interruption complexities, product recall scenarios, and international supply chain risks. For SMEs across all sectors, we scale this thorough approach to provide comprehensive protection that remains cost-effective for growing businesses.
