We specialise in commercial property owners, developers, construction firms, hospitality businesses, medical professionals, and clients with complex or high-value risks. We are particularly experienced in placing insurance programmes for substantial property portfolios, mixed-use developments, refurbishment projects and specialist liability exposures. Our approach is consultative, we work best with clients who value strategic advice, long-term relationships and properly structured insurance programmes.

No. While commercial property and construction are core areas of expertise, we advise across a wide range of business risks including: Property Owners Insurance Contract Works & Construction Professional Indemnity Medical Malpractice Cyber & Technology Risks Directors & Officers Liability Employers’ & Public Liability Latent Defects Terrorism Specialist & Complex Risks We design complete insurance programmes, not standalone policies.

We do not treat insurance as a transaction. We invest time in understanding how your business operates, where your real exposures lie, and how your risk profile may evolve. Our advice is grounded in deep industry knowledge and long-standing relationships with leading UK insurers. This allows us to negotiate robust terms, explain cover clearly, and ensure policies work in practice, not just on paper.

We begin with detailed fact-finding and risk discovery. We then structure a programme aligned to your operational realities, ensuring compliance with the Duty of Fair Presentation under the Insurance Act 2015.

Yes. We regularly conduct independent insurance reviews for businesses who want clarity on whether their programme is fit for purpose. We assess: Coverage gaps Incorrect or inadequate limits Policy inconsistencies Insurer security Premium competitiveness Claims defensibility Our review process is structured, analytical and transparent.

Yes. We maintain strong relationships with leading UK composite insurers and specialist markets. This allows us to access competitive terms for both standard and complex risks. For specialist placements, we can also access non-standard markets where appropriate.

We are remunerated either via commission from insurers or by agreed client fees, depending on the structure of the placement. We are transparent about our remuneration and can provide full disclosure upon request.

Absolutely. Claims support is one of the most important aspects of our service. We advocate on your behalf throughout the claims process, from initial notification to settlement, ensuring insurers respond in accordance with policy terms and timelines. Our role is to minimise disruption and protect your position when it matters most.

Yes. We have experience placing and managing insurance programmes for substantial, multi-location property portfolios with complex lease arrangements and varied occupancies. We can provide structured schedules, insurer reporting, and annual programme reviews to ensure cover remains aligned to portfolio growth or changes.

This depends on the class of business, but typically includes: Full risk details and turnover figures Claims history (usually 3–5 years) Property schedules and rebuild values Contractual details (for construction or professional risks) Existing policy documentation We will guide you through the process and request information in a clear, structured format.

Yes. Insurance is only one part of risk protection. We advise on risk mitigation strategies, contractual risk transfer, appropriate indemnity limits, and operational controls that can reduce both premium cost and exposure over time.

At minimum, annually at renewal. However, we recommend reviewing cover whenever there are material changes such as: Acquisitions or disposals Development or refurbishment projects Significant turnover growth New contractual obligations Regulatory changes Insurance should evolve alongside your business.