Liability solutions for risks that do not fit neatly into the standard box.
Some liability exposures are more complex, specialised or unusual than a straightforward commercial placement. Acrusure can assist with understanding the exposure and considering specialist underwriting solutions where appropriate.
Specialist liability begins with understanding what creates the exposure and how the existing insurance portfolio responds.
The right liability structure starts with the actual exposure
Acrusure reviews the activities, liabilities, existing insurance arrangements and policy structure before considering available specialist solutions.
Understanding the circumstances
The activities, responsibilities and circumstances around the risk help determine what needs to be considered.
Considering the wider portfolio
Specialist liability should be reviewed alongside the client’s broader commercial and insurance arrangements.
What we help you review
Liability exposures
Identify the activities, responsibilities and circumstances that create the liability risk.
Policy structure
Review existing policy arrangements, limits, exclusions, excesses and relevant terms.
Gaps & duplication
Look for potential gaps, duplication, underinsurance or areas requiring further investigation.
Unusual risks
Complex or unusual commercial risks may require a more tailored approach.
Specialist underwriting
Where appropriate, suitable specialist underwriting markets can be approached.
Claims assistance
Acrusure can assist with claims notification, documentation, insurer communication and escalation where necessary.
Our approach to specialist liability
Acrusure follows a structured insurance journey, with the particular risk, underwriting requirements and client circumstances considered throughout.
Understand
We begin by understanding the client, their assets, activities and areas of risk.
Review
Existing insurance arrangements are reviewed to identify 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 the client has made an informed decision, we assist with implementation and policy administration.
Maintain
We assist with amendments, policy administration, renewals and changes in circumstances.
Claims assistance
When a loss occurs, we assist the client in navigating the claims process and engaging with the insurer where necessary.
Specialist liability FAQs
What makes a liability risk specialist?
A liability risk may require specialist attention when the exposure is complex, unusual, difficult to place or does not fit neatly within standard commercial arrangements.
Can Acrusure review existing liability cover?
Yes. Existing arrangements can be reviewed for gaps, duplication, underinsurance, policy structure and changes in circumstances.
Can unusual commercial risks be placed?
Where appropriate, Acrusure can approach specialist underwriting markets, subject to insurer appetite and underwriting requirements.
Will every specialist liability risk have the same cover?
No. The appropriate solution depends on the particular exposure, policy requirements and suitability of the available market.
Have a liability risk that needs a more considered approach?
Speak to Acrusure about your existing arrangements or a new requirement. We can assess the risk and consider appropriate markets where available.
Speak to Acrusure