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Financial linesDirectors' and officers' liabilityPersonal liability of directors and officers, company reimbursement and securities claims for listed and private companies.Professional indemnityLiability for negligent advice, design or service for consultants, asset managers, technology firms and engineers.CyberFirst-party loss from network events and third-party liability for data and privacy failures, including duties under the PDPO.Crime and fidelityEmployee dishonesty, third-party fraud and payment diversion for companies handling significant funds.
AppetiteCore appetiteProperty and construction, casualty, financial lines, marine and trade. First read within [x] working days.Case by caseUS products exposure, cyber after an incident, D&O with a going-concern note, typhoon-exposed sites, large contract works.Not writtenPersonal lines, life and medical, employee benefits, aviation and energy hull.
SectorsTrading and logisticsProgrammes for trading houses, freight forwarders and sourcing companies.Financial servicesManagement and professional liability for asset managers, family offices, brokers and fintech firms licensed by the SFC, HKMA or IA.TechnologyTechnology errors and omissions, cyber and management liability for software, platform and IT services companies.
Construction and propertyContract works, liability and employees' compensation for developers, main contractors, fit-out firms and property owners.Retail and hospitalityProperty, liability and employees' compensation for retailers, restaurant groups and hotels.Professional servicesProfessional indemnity, cyber and management liability for consultancies, engineering firms, law firms and accountants.All industries →Six sectors, named risks, the lines that make up each programme.
Named risks per sectorThe exposure, what it costs when it happens, and the cover that answers it.