Independent insurance broker, London

Protect the downside. Take the upside.

Businesses rarely fail from thin margins. They fail from single events: a major customer collapsing, a cyber attack, a funding line pulled. We arrange the insurance that takes those events off the table, so you can take the risks that pay.

Whole of market. Direct access to your broker. FCA regulated. London based, working worldwide.

Three ways a good business gets hurt. Three covers.

Credit insurance

Your receivables are often the largest unsecured asset you own. If a customer fails, you still get paid. The discipline of insured limits usually pays for itself before any claim does.

Credit insurance →

Cyber insurance

The other event that can stop a business in a week. Cover for the incident response, the interruption and the liability, arranged by someone who reads the exclusions.

Cyber insurance →

For financiers

Private credit funds, trade finance platforms and lenders carry buyer risk whether they priced it or not. We insure funded receivables and stress-test the cover behind deals.

Services for financiers →

We also arrange invoice and trade finance introductions, bonds and other commercial lines. If the risk can sink the firm, it is our department. Ask us

Risk management means taking managed risks.

Insurance is not about feeling safe. It is about being free to be bold. Four principles run through everything we arrange.

Survival comes first

A risk that can kill the firm is not a cost line, it is a different category. No margin, no growth rate and no relationship justifies exposure to ruin. Everything else is negotiable.

Asymmetry is the point

A small, fixed premium against an unbounded loss is one of the few genuinely good trades available to a business. Downside covered, upside open.

Averages hide the risk that matters

Your average debtor days are irrelevant if one buyer is forty percent of the book. We look at concentration and fragility, not means.

Boldness is the dividend

Clients do not buy cover to sleep better. They buy it to extend more credit, enter new markets and take on bigger counterparties than their uninsured competitors can.

A specialist broker, not an account number.

Whole of market

Every risk goes to the full market, from the global carriers to specialist Lloyd's syndicates. You see the comparison and the reasoning, not just a single quote.

Direct to the decision maker

You deal with the broker who places your risk, negotiates your limits and argues your claims. No call centres, no account tiers, no handoffs.

Aligned incentives

We win when you grow, not when you renew quietly. If the honest answer is that a cover is not worth buying, we say so and keep the relationship instead of the commission.

Make faster credit decisions.

Free tools we built for our own placement work, opened up so you can use them on your buyers. No signup, no sales call.

Live

Buyer Assessment

Enter a company and get a structured view of how insurable the buyer is and how much credit you could sensibly extend.

Takes about a minute. UK companies.

Live

Risk Index

Track how non-payment risk is shifting across sectors, so you can see trouble building before it reaches your ledger.

Updated regularly. Free to use.

What we're seeing in the market.

Short, practical notes on insolvencies, sectors under strain and how insurers are responding.

Read our insights

What's the event that could actually hurt you?

Thirty minutes is usually enough to find it, tell you whether it is insurable and roughly what cover should cost. Listening closely and speaking plainly is the whole method.