We provide special risks solutions for diverse and unconventional insurance needs, from high-value art collections and vintage vehicle restorations through to prototype testing, exhibition coverage, and unique commercial ventures with no standard insurance template. Our team works with specialist underwriters who assess risks on their individual merits rather than applying standardised rating models, enabling coverage for activities and assets that mainstream insurers exclude or cannot properly evaluate. We arrange coverage for valuable collections in transit, experimental technology, film and entertainment production, major events and festivals, and other situations requiring custom policy construction with specifically negotiated terms.

As an independent broker with access to specialist markets including Lloyd's of London, we can source coverage for risks considered too unique, too valuable, or too complex for standard commercial insurers. This includes arranging specie insurance for cash in transit, precious metals, and high-value jewellery movements; prize indemnity insurance for promotional competitions and hole-in-one contests; and political risk insurance for businesses operating in volatile jurisdictions. We arrange kidnap and ransom insurance, contingency coverage for event cancellations, and specialist liability policies for unusual professional activities or extreme sports operations.

Our services include detailed risk assessment and documentation to present your exposure clearly to underwriters, particularly for novel risks where insurers have limited claims history or actuarial data. We negotiate bespoke policy wordings that address the specific characteristics of your risk, avoiding inappropriate exclusions from template policies designed for different exposures. For one-off projects or events, we arrange short-period policies with coverage precisely matched to the risk window, avoiding paying annual premiums for temporary exposures.

From rare vehicle enthusiasts and art collectors through to businesses conducting experimental activities or managing unique assets, we deliver special risks solutions that provide insurance protection where standard markets cannot respond. Our focus is on accessing specialist expertise, negotiating appropriate terms and premiums, and ensuring you receive genuine coverage for risks that demand creative underwriting and bespoke policy construction.