For corporate clients we manage insurance as a portfolio rather than a series of one-off purchases. Fleet vehicles, employee health and personal accident, property and liability covers are aligned to a single renewal calendar, so you do not rebuild the same file every year.
Cyber insurance is the fastest-growing need of recent years. Ransomware, data breaches and business email compromise target SMEs too, with data-protection notification duties and administrative fines on top. A cyber policy covers both direct losses and incident-response costs such as forensics, legal and communications, within the policy terms.
What is covered?
- Fleet motor own-damage and liability administration
- Group health and group personal accident
- Cyber incident response costs
- Ransomware and business interruption losses
- Data-breach liability and administrative fines (where insurable)
- Directors and officers liability (D&O)
- Trade credit insurance
Optional add-on covers
- Single renewal calendar and portfolio reporting
- End-to-end claims follow-up
- Annual risk review meeting
- Cover structured to tender and contract requirements
What you should know
As a fleet grows, pricing based on its loss ratio becomes possible; the definition of a fleet and its conditions vary by insurer.
Cyber underwriting asks about minimum security controls such as backups, multi-factor authentication and patching. Accurate answers on the proposal form are a precondition for a smooth claim.
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Frequently asked questions
The definition varies by insurer. Send us your vehicle count and usage types and we compare the insurers' fleet conditions for you.
Attacks are not limited to large companies; automated scanning finds the weakest system. A single ransomware incident can stop a small business for days.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.