Fidelity Guarantee Insurance
Protects businesses against direct financial loss from fraud, dishonesty or specified fraudulent acts by covered employees, subject to policy terms.
Miscellaneous
Protect Your Business Against Risks Outside Standard Covers
Specialty insurance solutions designed for risks that standard policies often don't address. Our specialists help you identify exposures and build tailored protection for your business.
Specialised Commercial Covers
Protection for Unique Business Exposures
Comprehensive Risk Management
What Is Miscellaneous?
Understanding Miscellaneous
Miscellaneous Insurance offers specialised solutions that protect businesses against specific risks not covered by standard property, liability or commercial policies, structured around the nature of the business, its assets, contractual obligations and unique exposures.
What Does It Cover?
- Specialised Risks Protection
- Asset & Contract Cover
- Accidental Loss Protection
- Business Liability
- Custom Extensions
Example:
If a business has a specialised operational exposure that is not adequately addressed under its standard insurance programme, a suitable Miscellaneous Insurance solution can provide targeted protection for that specific risk, subject to the policy terms and conditions.
Coverage Components
Comprehensive Protection At Every Level
Money Insurance
Protects against loss of money in transit, on business premises or in other specified situations, subject to the selected cover and conditions.
Plate Glass Insurance
Provides protection against accidental breakage of specified glass installed at insured premises.
Electronic Equipment Insurance
Protects specified electronic equipment against accidental physical loss or damage arising from covered events.
Baggage Insurance
Protects specified baggage and personal belongings against loss or damage while travelling, subject to selected cover, limits and exclusions.
Personal Accident Insurance
Protects against specified accidental bodily injury, including accidental death and permanent disability benefits, subject to policy terms.
Additional Specialised Covers
Other specialised solutions can be structured for business or individual risks that need protection beyond conventional insurance.
Advisory Support
Protect Your Business Before Risk Finds You
Every business has exposures that standard policies miss. We help identify these risks and structure suitable insurance around your needs.
- 1.
Risk Assessment & Needs Analysis
We understand your business activities, assets, contracts and specialised exposures to identify the right protection.
- 2.
Policy Design & Placement
Our specialists structure suitable coverage, limits, deductibles, and extensions and place the risk with appropriate insurers.
- 3.
Policy Documentation & Support
We coordinate policy documentation and ensure the selected coverage aligns with agreed requirements and policy terms.
- 4.
Dedicated Claims Advocacy
Our team supports you through claims, from initial notification and documentation to insurer coordination and resolution.
- 5.
Annual Policy Review & Renewal
Regular reviews keep your insurance programme aligned with changes in your business, assets, operations and risk exposures.
Ready To Explore Miscellaneous?
Protect your business with insurance solutions designed around your specific risk exposures.
Frequently Asked Questions
Answers to Common Insurance Queries
The exposure is broken down into its underlying property, liability, operational, financial or specialised risk components before determining the appropriate insurance structure.
Incorrect classification can affect insurer appetite, coverage interpretation, pricing and applicable exclusions, making accurate risk description critical.
Equirus Raghnall analyses the underlying exposure, identifies the appropriate insurance mechanism and approaches markets with relevant underwriting appetite.
The risk is presented with detailed exposure information and, where required, negotiated through tailored terms, extensions or specialist market capacity.
