Insurance for risks that need a more considered approach.
Where a risk is more complex, specialised or difficult to place, Acrusure can assist with access to specialist insurance markets and underwriting solutions.
Specialist insurance starts with understanding the particular risk, its exposures and the requirements around the placement.
Specialist areas we can consider
Acrusure's specialist capabilities include professional, liability, engineering and complex commercial risks. The availability and suitability of cover remain subject to insurer appetite, underwriting requirements and the nature of the particular risk.
Professional Indemnity Insurance
For professional practices and businesses where the nature of the services or advice creates specialist liability exposures.
Directors & Officers Liability
Specialist liability protection for risks associated with directors and officers and the responsibilities they carry.
Specialist Liability Insurance
Considered for liability exposures that do not fit neatly within standard commercial arrangements.
Engineering-related risks
Specialist consideration for engineering-related businesses and technical or operational exposures.
High-value commercial portfolios
Portfolio-level review for substantial or more complex commercial insurance requirements.
Property-related risks
Specialist consideration for property exposures where the nature, value or circumstances require a more tailored approach.
Professional practices
Insurance solutions considered around the activities, liabilities and requirements of professional practices.
Complex or unusual commercial risks
Where a risk falls outside a straightforward placement, Acrusure can approach suitable specialist underwriting markets where appropriate.
Specialist risk needs specialist attention
The objective is not simply to find a policy. Acrusure first considers the existing arrangements, assets and values, business activities, liabilities, policy structure, changes in circumstances, potential gaps, possible duplication, underinsurance and risk exposures that may not previously have been considered.
Technical & engineering risk
Understand the activities, equipment and circumstances before considering a specialist placement.
Professional risk
Review services, liabilities, existing arrangements and the requirements of the professional practice.
Complex commercial exposure
Where standard solutions are not enough, specialist underwriting markets may be considered.
The Acrusure approach
Specialist placement follows the same structured insurance journey, with additional attention to underwriting requirements and the particular nature of the risk.
Understand
We begin by understanding the client, their assets, activities and areas of risk.
Review
Existing arrangements are reviewed for gaps, duplication, inappropriate structures or areas requiring further investigation.
Source
Where appropriate, suitable insurers and specialist underwriting markets are approached.
Compare & advise
Available options are considered in relation to cover, price, excesses, limitations, exclusions and the client's requirements.
Implement
Once an informed decision is made, Acrusure assists with implementation and policy administration.
Maintain
Amendments, policy administration, renewals and changes in circumstances are supported over time.
Claims assistance
When a loss occurs, Acrusure assists the client in navigating the claims process and engaging with the insurer where necessary.
Complex matters
Where a claim, underwriting decision or policy interpretation becomes more complicated, Acrusure can assist by examining the matter in greater detail.
Specialist insurance FAQs
What makes a risk specialist?
A specialist risk may involve more complex requirements, unusual exposures, professional liabilities, engineering-related risks, high-value commercial portfolios or circumstances that require specialist underwriting.
Can Acrusure help if a standard insurer cannot place the risk?
Where appropriate, Acrusure can approach different insurance and specialist underwriting markets, subject to current insurer appetite and underwriting requirements.
Does specialist insurance always mean a separate policy?
Not necessarily. The appropriate structure depends on the particular client and risk. Acrusure considers the wider portfolio and the suitability of available solutions.
Can an existing specialist portfolio be reviewed?
Yes. Existing insurance arrangements can be reviewed for gaps, duplication, underinsurance, changes and areas requiring further investigation.
Have a risk that doesn't fit the standard box?
Tell Acrusure what you are trying to insure, what has changed and what you currently have in place. We can assess the requirement and consider appropriate markets where available.
Speak to Acrusure