Insurance for companies and projects
I work with risks that a standard quote does not solve: construction and erection projects, bonds, specialist plant, energy and BESS projects, commercial property with business interruption, directors' liability and professional indemnity. I structure the programme, compare the market and negotiate the terms that matter to your operation.
Solutions for complex risks
Seven areas where my experience runs deepest – each with its own page setting out the risk map, the typical gaps in cover and a checklist of documents.
Construction and erection risks (CAR/EAR)
All risks cover for construction projects – the works, materials and third-party liability, including the maintenance period.
Read about CAR/EAR insurance →Bonds and guarantees
Tender, performance, advance payment and maintenance bonds for procurements and contracts, preserving bank funding capacity where the situation allows.
Read about bonds and guarantees →Plant and machinery (CPM)
Cover for construction, forestry and agricultural plant while working, on site and in transit – where motor own-damage cover often does not respond.
Read about CPM insurance →Energy and BESS projects
Programmes for battery storage, solar and wind projects – property, downtime and liability. Experience from a completed BESS project in Latvia.
Read about BESS insurance →Commercial property and business interruption
Buildings, plant, stock and the revenue lost during downtime – with correct sums insured and a realistic BI period.
Read about property and BI insurance →Directors' and officers' liability (D&O)
Protection for the personal liability of board and supervisory council members – defence costs and cover for losses.
Read about D&O insurance →Professional indemnity (PCTA)
For designers, engineers, consultants and IT – cover for the financial loss an error in professional work causes a client.
Read about professional indemnity insurance →I also work with these risks
Areas I handle alongside the main solutions – as part of a programme or as a separate policy.
General and products liability
Damage to third-party property or health caused by your operations or your product.
Cyber risks
Data breaches, system downtime, ransomware incidents and managing their consequences.
Cargo insurance
Goods in domestic and international transport – the risks of carriers and cargo owners.
Employee benefits
Health, life, savings and accident programmes for attracting and keeping staff.
Political violence risks
Extensions for strikes, riots and terrorism – explained in the article.
Vehicle fleets
MTPL and motor own-damage cover for company fleets, with unified administration and renewal control.
Non-standard risks
Risks with no appetite in the Latvian market – placed in international markets through the EURORISK partner network.
How I work with business risks
We go through what the company actually does, where the values sit and what a serious incident would look like.
I decide which risk belongs in which policy, so that no gap is left between the covers.
I obtain quotes and compare them on cover, sub-limits, deductibles and requirements – not on premium alone.
I negotiate the conditions that are critical to your operation down to the level of wording.
If something happens, I represent your interests through to payment.
Let us discuss the risk before requesting quotes
Describe your situation and I will say what is worth insuring, what the market can offer and what to watch in the wordings.