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Special Risks

Three core disciplines come together to form the Special Risks division; Accident & Health, Contingency & Special Contingency.

Specialist Risks

Accident and Health encompass the four main pillars of the class being Personal Accident and Illness, Life, Medical and Travel. Contingency extends through Non-appearance, Event Cancellation, Death & Disgrace, Weather, Prize and Contractual Bonus whilst Kidnap and Ransom, Political and Natural Evacuation and Crisis Management make up the risk profile of the Special Contingency unit.

Whilst all three disciplines demand specialist knowledge, often the services of one or more risks from more than one unit are purchased together. This is frequently the case on corporate purchase risks where Personal Accident policies are purchased in conjunction with Kidnap and Ransom and/or Crisis Management.

We work proactively with clients on a worldwide basis, providing tailored solutions to meet specific requirements across a range of complimentary products supported by an experienced claims service enabling us to deliver a first class service at placement, through the life of the contract and negotiation and settlement of claims. Our business spans four continents and over 40 countries giving us a truly global reach.

Whilst we manage our own in house binding authorities that enable us to expedite quotations quickly and efficiently, we also manage a number of binding authorities for third party cover holders. Much of our portfolio is either ‘direct & facultative’ or wholesale placements via introducers, producers, Insurers and Reinsurers.

Our main products include:
  • Aircrew Personal Accident & Loss of License
  • Contractual Bonus
  • Event cancellation
  • Group Personal Accident & Illness/ Group Business Travel
  • High Risk & Hazardous Occupation
  • Key Person & High Net Worth
  • Kidnap, Ransom & Extortion
  • Life
  • Multi-Life Accumulation Risk
  • Political & Natural Evacuation
  • Prize Indemnity
  • Sports, Entertainment & Musicians
  • War & Terrorism

Contingent Terrorism

In today’s politically unstable world, the risk of an event being cancelled or adversely affected by a terrorist attack or threat is high.