Insurance by sector
Sectors
The same branch is contracted differently in a chemical plant and in a professional office. We group sectors by the nature of their exposure, which is what determines what cover is needed and how the claim arises.
Risk family
Industry and product
Where the risk travels inside what you make.
Risk family
Infrastructure and movement
Heavy assets, works under way and goods in transit.
Sector
Construction
Works in progress, testing, handover and ten-year guarantee
Sector
Energy
Machinery breakdown, plant shutdown and contingent interruption
Sector
Transport
Goods in transit, accumulation at terminals and operator liability
Sector
Real Estate Property
Buildings, escape of water and landlord liabilityRisk family
Services and knowledge
The damage is not physical: it is the error, the outage or the data.
Sector
Technology
Data breach, service outage and contractual penalties
Sector
Professional Offices
Professional error, missed deadline and file confidentiality
Sector
Financial Institutions
Operational resilience, third-party risk and board liability
Sector
Self-employed
Liability, loss of income and continuity of tradeRisk family
People and institutions
Activities where the risk falls on the person being served.
Sector
Health and Assistance
Medical liability and custody of patient records
Sector
Education
Pupil accidents, off-site activities and governing-body liability
Sector
Charitable Organisations and Foundations
Trustee liability, volunteers and work with minors
Sector
Tourism and Hospitality
Seasonal values, guest liability and cancellation
Sector
Retail – Shops
Theft, escape of water, online channel and product recallAnd if your sector is not listed
The list is not the catalogue, it is where we have a history
These are the sectors in which we accumulate our own claims and negotiated clauses. We insure more activities than those listed here; what we do not do is pretend specialisation where there is none. Tell us what you do