Usually in the covers they assume they have. Public liability limits set too low, no business interruption cover, no cyber cover, and replacement values that have not kept up with costs. We scope these specifically rather than assuming the package handles them.

No. We work with sole proprietors, small and medium businesses and larger enterprises. The programme scales to the operation. What stays the same is the personal service and the on-site assessment.

Yes. For commercial cover we assess your premises and operation in person where practical. It is the only reliable way to understand your exposures and avoid the gaps that a desktop quote misses.

Yes. Through commercial medical aid we advise on health options, facilitate claims, admissions, additions and queries, and reassess staff needs annually, so your HR team does not have to.

We hold in-house claims mandates and processes that let us action most claims within 24 hours of receiving documentation, with a 24-hour assist line for emergencies.

Yes. Through our network of specialist underwriters and affiliates we place drone, event, engineering, marine, aviation and fidelity cover, the policies many brokers send elsewhere.