Insurance Solutions
Home / Insurance Solutions
Overview
We provide comprehensive insurance solutions for complex and non-standard risks across a wide range of industries and operating environments. With access to specialist markets, exclusive facilities, and extensive technical knowledge, we ensure that every policy reflects the specific operational realities, regulatory requirements, and exposures of each risk.
Our capabilities extend across multiple specialist risk classes, supporting both individual and commercial clients operating in technically demanding environments.
Who We Support
SRM works as an intermediary supporting insurance brokers, underwriting agencies, and specialist partners who require access to technical expertise, specialist markets, or structured placement solutions for complex or non-standard risks.
We support brokers operating across multiple industries where risks fall outside standard market appetite or require detailed analysis, bespoke structuring, or access to specialist underwriting facilities.
Our role is to assist intermediary partners with the placement of challenging risks, providing technical insight, market access, and ongoing support throughout the policy lifecycle, while maintaining clear separation between the broker and end client.
Our clients include:
- Retail brokers seeking specialist placement support, including aviation expertise.
- Insurance carriers and underwriters requiring technical insight across specialty risk, aviation, and reinsurance.
Types of Cover Available
SRM places various lines of insurance on behalf of its partners, including the following:
01
Property Insurance
Covering physical assets like buildings, contents, and stock against damage (e.g., fire, flood).
02
Liability Insurance
Protecting against third-party claims for injury or damage. This includes:
- Public Liability Insurance
- Employers' Liability Insurance (often mandatory for businesses with employees)
- Products Liability Insurance
03
Professional Indemnity (PI) Insurance
Covering legal costs and damages if a client claims a professional service was inadequate or caused financial loss.
04
Cyber Insurance
Protecting against financial losses and liabilities resulting from data breaches or cyber-attacks.
05
Commercial Motor/Fleet Insurance
Covering vehicles used for business purposes, ranging from single vans to large haulage fleets.
06
Construction & Engineering
Specialised policies like Contractors' All Risks (CAR) and builders' insurance.
07
Marine & Aviation
Covering risks associated with transportation by sea or air, including cargo and hulls.
08
Financial Lines
Including Directors' and Officers' (D&O) liability and financial institutions cover.
09
Trade Credit & Political Risk
Protecting against non-payment by customers or losses due to political events.
SRM has expertise in specific industries, such as healthcare, hospitality, retail, manufacturing, and technology, offering tailored insurance solutions for those sectors.
How We Work
01
Technical Risk Assessment
We begin with a detailed assessment of the risk, operational environment, personnel, and geographical exposure.
02
Customised Policy Structure
We design insurance programmes that reflect your operational requirements, regulatory environment, and contractual obligations. We review policy wordings, negotiate endorsements, and ensure coverage is appropriate and clearly defined.
03
Access to Specialist and Exclusive Facilities
Through strong market relationships, we access specialist underwriters and exclusive facilities not available through generalist brokers. This allows us to secure competitive premiums without compromising coverage.
04
Ongoing Service and Policy Management
We remain actively involved throughout the policy period, assisting with administration, amendments, regulatory updates, and operational changes. Our team provides responsive, informed support as your risk profile and operational needs evolve.