What we will and will not do.

We will tell you the truth about your risk

If your operation has a problem that will stop carriers writing it, we will tell you what it is and what would need to change, rather than shopping it quietly and coming back empty-handed. If we cannot place you, we will say so within days, not weeks.

If a standard market can cover you more cheaply than a specialty programme, we will point you there, even though it earns us less.

We will explain it in language you can act on

Professional liability, general liability, abuse and molestation, cyber, employment practices — you should not need to already understand these to buy them properly. We will explain what each one covers in your setting, what it does not, and where the gap between them sits.

If you ask what a clause means, you will get an answer, not a copy of the policy wording.

We will not waste your time on the application

Applications for specialty healthcare cover are long, because carriers need the detail. What we can control is how much of your day it costs you. Our applications run online, you can save and return, and we check them before they go to market so you are not answering the same question three weeks later.

We will stay reachable after the policy is bound

The point at which most brokers go quiet is the point at which cover starts mattering. Certificates, mid-term changes, questions about whether an incident needs reporting, renewals started early enough to be useful — the agent who placed your cover handles all of it, and answers you directly rather than routing you to a service desk.

We know where our expertise ends

We write healthcare, senior living and social services. We do not write construction, trucking or property schemes, and we will refer you on rather than learn your industry at your expense.