Our product is designed for established, stable companies based in the UK that have an annual turnover of up to £200 million.

These include:

• Private limited companies
• Limited liability partnerships
• Partnerships
• Charities
• Not-for-profit Organisations
• Clubs and Social Organisations

Our Executive Risk Solutions offering provides protection for directors, officers, administrators, supervisors, managers and employees for actual or alleged wrongful acts resulting against them for breach of duty, neglect, misstatements, errors and omissions and the day to day decisions and actions taken whilst acting in the scope of their managerial duties. It protects the personal and professional liabilities for individuals and the company.

We’ve got all the covers you’d expect but the following is where our Executive Risk Solutions cover really excels:

• Each of the five sections in the policy; Directors’ and Officers’ Liability, Corporate Liability, Employment Practices Liability, Benefit Plan Liability and Crime, are written on an 'any one claim' or ‘any one loss’ basis.
• We will pay Mitigation costs to full policy limit for a covered claim against insured persons and or the insured company/organisation.
• Difference in Condition/Difference in Limit clause for the first policy period with Zurich, restricted to certain markets (applicable to all sections).
• Under the directors and officers section, we provide automatic extended reporting period options (1, 3 or 6 years) following a change of control This also includes appointment of receivers, liquidators or administrators to the insured company.
• Our Social engineering clause will pay up to £1m or 50% of the coverage section limit for loss resulting directly from an insured company having (in good faith) transferred money, securities or goods in reliance upon a transfer instruction which proves to have been fraudulently issued by an imposter without the knowledge or consent of the insured person, customer or vendor.
• Cover for claims brought against directors, officers, senior employees alleging environmental mismanagement in connection with misrepresenting or failing to disclose information relating to greenhouse gases or actual or alleged global warming or climate change infringements up to full policy limit.
• Our Data protection breach clause, which includes 'GDPR' rules; covers not only damages, defence and investigation costs but also extends to cover civil, administrative or regulatory penalties up to full policy limit.
• Our T.U.P.E. clause protects the insured company in respect of any employment claim for any actual or alleged violation of the rights of employees up to a limit of £250,000.
• Our Benefit Plan liability section provides cover for employer’s defence and legal expenses incurred as a result of claims arising from the administration of employee benefit programmes, such as pension plans and healthcare benefits.