Speciality and Emerging Risks
Where conventional products fall short — risks that require bespoke design. From cyber threats to supply chain disruption, we build solutions for the risks that matter most.
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Speciality
Complex · Technical · Bespoke
The risk landscape is evolving faster than insurance products. Cyber threats, supply chain disruption, intellectual property disputes, and climate-related exposures require specialist expertise and access to capacity that most brokers cannot provide.
We work with Lloyd's syndicates and specialist insurers to design coverage for the risks that matter most — solutions that conventional brokers cannot access or structure effectively.
These are risks that require bespoke design, not off-the-shelf placement. We collaborate directly with insurer partners to structure customised solutions where conventional products fall short.
PRODUCTS
Cyber Risk Insurance
First and third-party cyber coverage including data breach response, ransomware, business interruption, and regulatory defence.
Whats Covered
Data breach forensics, notification, BI from cyber events, third-party claims, regulatory fines
Key Exclusions
Pre-existing breaches, infrastructure failure, war/terrorism cyber, voluntary disclosure
Trade Credit Insurance
Protection against non-payment by customers due to insolvency or protracted default — supporting working capital and enabling safer credit extension.
Whats Covered
Customer insolvency, protracted default, political risk (export), credit intelligence, collection support
Key Exclusions
Disputes over goods, undeclared debtors, related-party transactions, sanctions-listed buyers
Intellectual Property Insurance
Coverage for IP infringement claims — both defence against claims and pursuit of your own IP rights.
Whats Covered
Defence against IP claims, enforcement of own IP rights, settlements, opinion costs
Key Exclusions
Wilful infringement, prior known disputes, criminal acts, unregistered IP rights
Parametric Insurance Solutions
Index-based coverage that pays out automatically when a predefined trigger is met — faster claims settlement with no loss adjustment.
Whats Covered
Pre-defined trigger payouts (rainfall, wind, earthquake, temperature), no loss adjustment delay
Key Exclusions
Basis risk gaps, events outside trigger thresholds, missing/disputed sensor data
Supply Chain Disruption Insurance
Coverage for business interruption losses arising from disruption at supplier or customer locations.
Whats Covered
Contingent BI from supplier/customer events, alternative-sourcing costs, expediting expenses
Key Exclusions
Strikes, voluntary supplier change, financial insolvency of supplier, undisclosed dependencies
Superannuation & Retirement Benefits
Structured retirement benefit programmes including gratuity funding, pension schemes, and post-retirement medical benefits.
Whats Covered
Gratuity funding, superannuation, leave encashment funding, post-retirement medical
Key Exclusions
Termination for cause, employees not vested per service rules, voluntary resignation pre-vesting
Event Insurance
Coverage for event cancellation, abandonment, curtailment, or postponement due to circumstances beyond control.
Whats Covered
Cancellation, abandonment, postponement, curtailment, non-appearance, adverse weather
Key Exclusions
Insufficient ticket sales, force majeure (unless added), pre-existing disputes
Kidnap & Ransom Insurance
Crisis response coverage for kidnapping, extortion, and wrongful detention incidents.
Whats Covered
Ransom payment, response consultancy, negotiator fees, lost income, legal liability
Key Exclusions
Insured involvement in criminal activity, fraud, bad-faith claims, undisclosed prior incidents
Speciality and Emerging Risks
Frequently asked questions about speciality coverage.
Standard liability policies exclude cyber risks. With DPDP Act obligations and increasing ransomware threats, dedicated cyber coverage is essential. It covers both your own costs (forensics, notification, BI) and third-party claims (regulatory fines, customer lawsuits).
Parametric insurance pays a pre-agreed amount when a measurable trigger is met (e.g., rainfall exceeds X mm). No loss adjustment needed — payment is automatic. The trade-off is 'basis risk' — actual losses may differ from the payout. We help structure triggers that minimize this gap.
CBI covers your losses when a supplier or customer suffers an insured event that disrupts your business. Standard BI only covers losses from damage to your own property. Supply chain insurance extends protection to your dependencies.
If you extend credit to customers, trade credit insurance protects against non-payment due to insolvency or protracted default. It also provides credit intelligence and collection services. For businesses with concentrated customer risk, it's often essential.
As an IRDAI-licensed broker, we have access to Lloyd's syndicates and international specialty insurers through established relationships. This allows us to place complex risks that domestic markets cannot underwrite effectively.
Yes. Specialty risks require bespoke solutions. If you face an unusual exposure — climate transition, ESG liability, metaverse risks — we work with specialist underwriters to design coverage from scratch where needed.
START THE CONVERSATION
What happens when your risk doesn't fit a standard policy?
Talk to our specialty risk team about exposures that require bespoke structures, specialist markets or alternative solutions.
Discuss a Complex Risk →