Whilst there are many generic insurance products available, most of which are capable of giving comprehensive covers to most businesses, we understand that there are some industries that need a sector specific approach.

We have access to leading insurers with exclusive arrangements which enables us to construct an insurance programme that responds to a claim in the way that your business needs it to respond.

Whether that is milestone payments for an R&D life science firm or efficacy cover for a security installer we are able to put together a truly bespoke offering that gives you peace of mind.

Highly technical and evolving at an ever-increasing rate. Whether you are designing and manufacturing components or hardware, developing software or running a Datacentre then the technical detail of your Insurance protection is vital. Having a policy that responds to the way that you run your business and generate income is critical to ensuring you can recover or even survive in the event of an incident. One of the main drivers for a well-rounded insurance programme for a Tech company is contractual disputes. A failure in your product or service given could lead to an expensive legal journey and one that needs the backing of a comprehensive Professional Indemnity / Errors & Omissions policy.

Risk Considerations

  • Professional Indemnity -Contractual disputes
  • Cyber
  • Business Interruption (revenue protection)
  • Intellectual Property Rights (IPR)
  • Patent
  • Worldwide jurisdiction
  • Third Party vendor or Internet Service Provider (ISP) failure
  • Directors & Officers (D&O)
  • Risk management / mitigation
  • Clean room dependency

Specialist activities require a specialist insurer. Whether you are into drug discovery, devices or contract research you couldn’t be further away from needing an ‘off the shelf’ insurance policy. You need an insurance policy that responds to the way in which you generate or receive income. This is not in line with most other businesses so why buy the same insurance how most other businesses do?

Risk Considerations

  • Research & Development business interruption
  • Milestone payments
  • Clinical trials
  • Keyman
  • Temperature and humid control
  • Intellectual Property Rights (IPR)
  • Patent
  • Products Liability
  • Regulatory
  • Clean room dependency

Whether you buy or sell, service, repair or offer recovery services you will need a combined package plus road risk cover to ensure a good level of protection. Road risks in particular can represent a challenge for insurers especially due to claim volumes. Managing your road risk and the pride that your employees take in your company vehicles can influence how attractive you are as a potential customer. Whether you have made no claims or have a chequered claims history Evolution Risk Group will work with you to tailor the best solution for your needs.

Risk Considerations

  • Driver Training
  • Loss of MOT Licence
  • Loan of courtesy car to customers
  • Unaccompanied vehicle demo
  • Special vehicle (high performance, classic)
  • Commercial Combined Package
  • Heath & Safety
  • Risk Mitigation
  • Environmental

Complex construction projects and contractual agreements along with high expectations of Health & Safety and stringent regulatory requirements calls for your reputation to be managed effectively. A well scoped our insurance programme can ensure you are protected in the critical areas

Risk Considerations

  • Contract Works
  • Design & Construct Professional Indemnity
  • Existing Structures
  • Non Negligent Liability
  • Advance Loss of Revenue
  • Environmental Impairment Liability
  • Construction Plant
  • Latent Defects
  • Motor Fleet
  • JCT Clauses

Companies operating in the Fire & Security industries have an important role in keeping people and property safe. This comes with inherent risks which many brokers and insurers have little or no appetite for. Having a broker who understands these risks and have access to specialist markets who offer the appropriate levels of cover and extensions to meet your requirements is vitally important. Not only with regards to protecting your business and its people but also to satisfy the contractors that you may be undertaking work on behalf of as well as  the premises that you work on.

Risk Considerations

  • Public & Products Liability (including inefficacy ‘failure to perform’ to the full limit)
  • Indemnity to others
  • Professional Indemnity
  • Contractual Liability
  • Damage to that part being worked upon
  • Loss of extinguishant in fixed fire extinguishers
  • Heat work
  • Subcontractors
  • Directors & Officers
  • Contract Works