Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
Legal actions may be brought against management teams for a variety of reasons ranging from allegations of financial mismanagement to alleged liability for injury/illness or for loss of or damage to property. Therefore, board engagement with Management Liability insurance is critical to protect your business.
Our expert team will work closely with you, to understand how your business operates and the risks you face before crafting a bespoke insurance programme to protect yourself and your fellow Directors and Officers within your organisation.
We recommend that you catch up on our webinar “Directors and Management Teams – what is your personal exposure?” to hear from a panel of recognised experts in this specialist area to help you understand the risks you are personally exposed to and how businesses should be responding. You can watch the webinar on demand here.
All businesses face unique risks, so please get in touch with our expert team to ensure your business has the correct cover in place.
WHAT IS TYPICALLY COVERED?
Directors & Officers Liability (core) – provides protection for the Directors and Officers of a company for claims against them for wrongful acts committed solely by reason of their acting as a Director or Officer of a company
Employment Practices Liability (optional) – protects your company against financial loss from claims made by employees for a wide range of employment practice violations, including unfair dismissal or discrimination on grounds of sex, race, disability, religion, belief, or sexual orientation
Corporate Legal Liability (optional) – provides indemnity in respect of costs and awards for any allegations/claims made against the company (entity) as opposed to individuals
CHELMSFORD STAR CASE STUDY
“It makes things a lot easier, particularly when insurance isn’t your area of expertise. You want someone who understands how you’re set up, the way your board is, how you have to get things approved, and that you’re commercial, but do have other aspects.”
"Specialist Risk, formerly known as Miles Smith Insurance Solutions, staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"
Belfield Group
Group Finance Director
"Specialist Risk Insurance Solutions (SRIS) have acted as J B Accountancy Solutions insurance broker for over 10 years. During that period we have forged a good working relationship and have always been impressed with the level of professionalism and market knowledge.
Specifically we have found real value in their claims service and the immediate guidance and assistance their team have provided over the years. This is especially the case when it comes to managing our expectations around policy cover, providing assistance with preparing the claims submission to insurers and then being advised and updated throughout the process. We look forward to working with the team for years to come."
J B Accountancy Solutions
Jude Ballard, Managing DirectorOTHER COVERS
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Contingency cover protects you should you suffer financial losses from an issue at an event such as last-minute cancellations…
Contract Works covers builders and tradesmen for any work in progress on a building site that is damaged…
Contractors All Risks protects employers and contractors for loss or damage to a building site that you or your team…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Employment Practices Liability covers employers for claims made against them by employees that allege discrimination…
Environmental Impairment Liability provides cover following an incident that causes pollution on land…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Jewellers’ Block protects businesses that sell high-value or unique jewellery or carry out regular valuations…
Landlord’s Contents covers insured furnishings in your rented property should they be damaged by tenants…
Latent Defects covers the cost of remedying and rectifying damage caused by faults in design, construction…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
Legal Indemnity is typically paid for by the seller of a property and protects the purchaser against issues…
Loss of Licence covers the costs that are incurred if your alcohol licence is revoked by your Local Authority…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Medical Malpractice protects healthcare professionals against allegations of clinical negligence and medical…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Product Recall covers the reasonable and necessary expenses of recalling and replacing products where…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…
Terrorism cover protects a business and its ability to continue trading following a terrorism incident…
Trade Credit protects a business if a customer owes money for products or services and does not pay their debts…
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FAQS
Where is Specialist Risk Insurance Solutions located?
Our head office is in the City of London, the address is:
One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.
Does my trade fall within Specialist Risk’s appetite?
We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.
