By sector · Services & offices
Services & offices.
With no warehouse or machinery, the risk changes shape: a wrong piece of advice, a lost client file or a negligence claim can cost more than any physical loss.
Your capital is knowledge and reputation.
For a services firm, the critical risk is professional indemnity: the cost of defending a claim for an error, omission or delay, even if you are ultimately cleared.
Second comes cyber risk: your clients’ data. A breach or ransomware halts operations and triggers notification obligations under GDPR.
What we examine
An office’s exposures.
- Professional indemnityClient claims for error, omission or negligence in delivering the service, with defence costs.
- Cyber & dataSystem breach, ransomware, client data leak, notification cost and legal compliance.
- Directors & officers (D&O)Personal liability of managers and board members for their decisions, in firms with outside investors or a complex structure.
- Office contents & equipmentElectronic equipment, furniture and records against fire, water and theft.
- Business interruptionRevenue replacement if the premises or systems are unavailable after a loss.
- Executive coverHealth, life and savings as an incentive for the key team that brings in the work.
How we help
Three steps.
- 01.
Mapping services & contracts
Which services carry the highest claim risk and what liability limits your contracts specify.
- 02.
An IT infrastructure check
Where client data is stored, who has access and what cyber cover matches.
- 03.
Limit & retroactive date
We choose a cover limit and a retroactive date that also covers earlier work.
And for the team
A group scheme & executive benefits.
In a sector where talent is the product, a group health scheme and an executive benefits plan make the difference in retention.
