The public authority and education sector specialists
We work with brokers and their clients across local government, police, fire and education to develop and deliver insurance programmes across multiple risk classes. We provide not only the cover they need but advice and training to help improve risk management practices that in turn can bring down their total cost of risk.
From small District Councils all the way up to complex Unitary Authorities, we believe nobody understands local government risks better than our team.
Local government has had the enormous challenge of managing shrinking budgets since 2010. We recognise that their priority is to protect front line services as much as possible and to economise wherever they can.
We continue to work hard on their behalf, working with our insurer partners on pricing, while maintaining our high service standards so that we can deliver a combination of price and quality that is unrivalled.
Claims against the Police are often high profile and require sensitive handling. We support our Police authority clients by helping them with the legal and reputational consequences of dealing with a claim. We recognise the desire of our clients to have a level of influence over how the claim is managed. We work with them to arrive at solutions that take into account the interests of all stakeholders.
A stand out feature of our service to Police is the way in which we approach risks connected to their covert operations. Understanding and working with those risks requires special systems and processes, all of which we have in place.
People who fight fires, saving people, animals, the environment and property have a vital but sometimes dangerous job. Not surprisingly, the biggest risk for the Fire Services is employer’s liability, something that requires extremely sensitive handling. How do you weigh up a heroic act that saves a life, but breaks protocol, against the fire fighter’s claim for injury? We help our clients arrive at a balanced view that aims to protect both people and reputations.
Another key risk is motor, with fire tenders worth up to £500,000 each. Our leading motor consultant is an ex-head of a blue light driving training school and brings valuable risk management advice to help our clients avoid expensive claims.
We entered the education sector in 2014, and in a relatively short period of time we have already proven our value, winning contracts with over 20% of the country’s universities. Our ability to tailor a complex multi-class insurance programme is our core strength.
Universities are complex and dynamic organisations, competing in a global market.
To us, off the shelf, or one-size-fits-all policies simply do not recognise their individual risks. While we are big enough to provide the security you need, we are also small enough to give you a personal tailored service you deserve. That’s why, for example, we discuss with our clients some of the more unique assets they may hold in their research laboratories. Assets that have unknown potential value, not just in financial terms, but in raising their global standing.
Classes of Insurance
Our multi-class insurance programmes cover 8 main classes. We have gone to the market to find what we believe to be the best cover for each class, and where possible secured exclusive relationships with highly rated insurers.