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Official - Sensitive RM6020 Insurance Services 3 Guidance Document V1.0 25/02/2020
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Official - Sensitive
RM6020
Insurance Services 3
Guidance Document
V1.0 25/02/2020
Official - Sensitive
Summary of Products and Services
Contract No. RM6020Two Lots
Framework start date: January 2020 Insurance Services 3
Framework expiry date: January 2024 Insurance Services 3
Duration Initial 4 year framework agreement (with 12 month extension option)CCS would recommend that a call off does not exceed the expiry of the framework agreement itself by more than two years.
Description of services General The framework RM6020 consists of 2 Lots as set out below. As part of the Insurance Services 3 offering, a Dynamic Purchasing System (DPS) RM6138 has been incorporated to offer insurance services. This is intended to support a level of competitiveness within the market and to make available a full range of services to meet a diverse range of customer requirements. A full list of insurance services can be found in Annex A of this document.
For the purposes of clarification, this customer guidance document relates to the use of the Framework Agreement only and a separate customer guidance document has been created to guide customers through the use of the DPS – RM6138.
o Lot 1 is for the provision of insurance brokerage and associated support services which include placing of and advice on a range of insurance policies including but not limited to; property and construction, liability, motor and travel, personal accident, health and life insurance
o Lot 2 is for the provision of compensation claims handling, which includes claims in respect of employer’s liability, third part motor claims, uninsured loss recovery, public liability and property damage/loss.
Crown Commercial Service contacts
For more information on the Insurance Services 3 Framework Agreement please contact our helpdesk:Tel: 0345 410 2222Email: [email protected]
For more detailed information please see the Crown Commercial Services website www.gov.uk/ccs or email [email protected]
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General guidance
This document, should be considered in conjunction with the supplier pricing and should contain everything you need in order to consider your payment solutions programme, whether from scratch or as a replacement. If you need any further help after reading these documents please email [email protected]
The document(s) allows you to review the offerings of all suppliers on the RM6020 framework including details of:
Charges Potential additional charges
It is recommended that customers enter into a contract with their chosen supplier. Customers will be responsible for managing their own call-off under the umbrella of the agreement and will have their own account management arrangements with their chosen supplier. Most of the content in the contract is pre-completed material detailing the standardised service and charging model.
The contract consists of the following elements: Core Terms; Order Form Joint Schedules; Call-off Schedules
The order form captures essential details relating to the specific contract, in effect providing a summary, as well as being the document for putting the contract in place:
The parties enter into the contract by signing the order form. The terms and conditions are mainly standard government provisions that will be applicable
to all contracts.
The framework is for an initial four year term (a 12 month extension option is available).
Background
Insurance Services 3 will consist of both a DPS (Dynamic Purchasing System) and a Framework Agreement. A Separate Guidance Document has been created for using the DPS and can be found on the web page here.While running alongside a DPS offering insurance related services, the Framework Agreement will cover both Brokerage and Advisory services and Claims Handling services.
Whilst the Framework Agreement is open for an initial 4 year period, the DPS does not require a maximum length and can be terminated when required, however it makes sense to align with two or more potential 4 year framework agreements for brokerage services and will therefore run for an initial 8 year period. The DPS will allow access to the full insurance market, including niche supply areas.
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Public Sector Contract
This Framework Agreement has been awarded using the new Public Sector Contract. This is the new Crown Commercial Service (CCS) standard template for framework contracts for common goods and services. It is a shorter and simpler government contract developed by the Crown Commercial Service, Government Digital Service and Government Legal Department. The schedules making up the Public Sector Contract are shown in the table below:
Document Title What it is? Mandatory/Optional
Core Terms The main legal terms for both Framework and Contracts MOrder Form Includes important information and contents of a Framework
ContractM
Schedules Attachments to the Core Terms which contain important information about specific aspects of buying and selling
M
Joint Schedule 1 (Definitions) What the capitalised terms in the documents mean and how to interpret the contract
M
Joint Schedule 2 (Variation Form) How the supplier, CCS and the Buyer can make a change to an existing contract
M
Joint Schedule 3 (Insurance Requirements)
The insurance a Supplier needs in case it breaches a Contract or is negligent
M
Joint Schedule 4 (Commercially Sensitive Information)
The only information about the Supplier that can’t be disclosed or reported to the public, subject to Clause 16
M
Joint Schedule 5 (Corporate Social Responsibility)
Agreement that the Supplier behaves as a good corporate citizen M
Joint Schedule 6 (Key Subcontractors) Restrictions on a Supplier switching the subcontractors working on the Contract
O
Joint Schedule 7 (Financial Difficulties) What suppliers must do if they are in financial trouble OJoint Schedule 8 (Guarantee) The document signed by a third party to provide additional
assurance that the Supplier will meet their obligations under the Contract
O
Joint Schedule 9 (Minimum Standards of Reliability)
Restriction on the Buyer entering into Contracts if it does not meet the standards required in the OJEU contract notice
O
Joint Schedule 10 (Rectification Plan) The process to follow if a supplier defaults a contract MJoint Schedule 11 (Processing Data) Details about the data processing the supplier is allowed to do MJoint Schedule 12 (Supply Chain Visibility)
Details regarding sub-contractors M
Call-Off Schedule 1 (Transparency Reports)
The information about the Contract the buyer needs from the Supplier so that it can meet its public accountability and transparency requirements
M
Call-Off Schedule 2 (Staff Transfer) How CCS, the Buyer or the Supplier protect employees rights when the organisation or service they work for transfers to a new employer
M
Call-Off Schedule 3 (Continuous Improvement)
The requirement that the Supplier always improves how it delivers the Contract
M
Call-Off Schedule 4 (Call-Off Tender) How the Supplier proposes to meet the requirements of a Contract
O
Call-Off Schedule 5 (Pricing Details) Placeholder for pricing information additional to that contained in the Order Form
O
Call-Off Schedule 6 (ICT Services) Additional terms for the delivery of ICT services OCall-Off Schedule 7 (Key Supplier Staff) Restrictions on a Supplier changing staff that are crucial to deliver
the ContractO
Call-Off Schedule 8 (Business Continuity and Disaster Recovery)
What the Supplier must do to make sure the Contract can still be delivered even if there’s an unexpected event
O
Call-Off Schedule 9 (Security) What the Supplier must do to ensure that Buyer data and O
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Deliverables are kept secureCall-Off Schedule 10 (Exit Management) What the Supplier needs to do at the end of a Contract to help
the Buyer continue to deliver public servicesO
Call-Off Schedule 11 (Installation Works)
What the Supplier needs to do when installing items for the Buyer O
Call-Off Schedule 12 (Clustering) Enables multiple Buyers to join together to procure Deliverables more efficiently
O
Call-Off Schedule 13 (Implementation Plan and Testing)
The agreed plan for when the Deliverables will be delivered and tested to ensure they meet the requirements
O
Call-Off Schedule 14 (Service Levels) The standards of service required by the buyer and what happens when these are not met
O
Call-Off Schedule 15 (Contract Management)
How the Supplier and the Buyer should work together on the Contract
O
Call-Off Schedule 16 (Benchmarking) A process for comparing the value of the Supplier against other providers in the market
O
Call-Off Schedule 17 (MOD Terms) Any additional terms required by MOD Buyers OCall-Off Schedule 18 (Background Checks)
To be used when supplier staff must be vetted before working on the contract
O
Call-Off Schedule 19 (Scottish Law) Switches the interpretation of the contract from the laws of England and Wales to Scottish law
O
Call-Off Schedule 20 (Call-Off Specification)
Further details about what has been ordered under a contract O
Call-Off Schedule 21 (Northern Ireland Law)
Switches the interpretation of the contract from the laws of England and Wales to Northern Irish law
O
Call-Off Schedule 22 (Lease Terms) This schedule is for buyers who wish to lease equipment via our agreements
O
Lot 1 - Brokerage and Related Services
Lot 1 is for the provision of insurance brokerage and associated support services which include placing of and advice on a range of insurance policies including but not limited to; property and construction, liability, motor and travel, personal accident, health and life insurance.Lot 2 is a multi-supplier Lot and can be accessed by placing a contract from the framework using either Direct Award or a Further Competition.
The Lot 1 suppliers are:
Supplier Address Contact
Forum FinanceForum Finance Ltd T/A Forum Insurance 181 Kenton Road
Amish [email protected] 9092899
Aon UK Ltd
Aon UK LimitedLeadenhall Building 122 Leadenhall Street, London EC3V 4AN
Alison [email protected] 653033
Education Protect Limited
Education Protect Limited
c/o DSG Accountants, Castle Chambers, 43 Castle Street, Liverpool, L2 9TL
Alan [email protected] 6016320
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Arthur J. Gallagher Insurance Brokers Ltd
Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT
Tim [email protected] 516022
The Risk Factor LimitedThe Risk Factor LimitedAdam House, Ripon Way, Harrogate, HG1 2AU
Anthony [email protected] 672588
NC InsuranceNorthern Counties LLPNCi, Lowreys Lane, Low FellGateshead, Tyne & WearNE9 5JB
Richard [email protected] 4408059
Price Forbes & Partners Ltd
Price Forbes & Partners Limited, 2 Minster Court, Mincing Lane, London, EC3R 7PD
Tomer [email protected] 648 0814
Willis Limited
Willis Limited, 51 Lime Street, London, EC3M 7DQ
Beverley [email protected] 9769388
CCRS Brokers LimitedCCRS Brokers Limited, 15 Newton Place, Glasgow G3 7PY
Ian [email protected] 2129565
Towergate Underwriting Group Limited
Towergate Underwriting Ltd, 1 Minster Court, Mincing Lane, London, EC3R 7AA
Joanne [email protected] 735287
Marsh LimitedMarsh Limited1 Tower Place West, London, EC3R 5BU
Mark [email protected] 431127
GMG Risk Strategies LtdGMG Risk Strategies Ltd, 24 Nicholas Street, Chester, CH1 2AU
Gary [email protected] 9287290
Griffiths & ArmourGriffiths & Armour, 12 Princes Parade, Princes Dock, Liverpool, L3 1BG
Patrick [email protected] 6002101
BRIAN JOHNSTON & CO (INSURANCE BROKERS) LTD
Brian Johnston & Co (Insurance Brokers) Ltd, 1-3 Linkfield Corner, Redhill, Surrey, RH1 1BL
Michael [email protected] 768151
Lockton Companies LLPLockton Companies LLPThe St Botolph Building, 138, Houndsditch, London, EC3A 7AG
Terry [email protected] 2613053
Lot 2 - Claims Handling and Related Services
Lot 2 is for the provision of compensation claims handling, which includes claims in respect of employer’s liability, third part motor claims, uninsured loss recovery, public liability and property damage/loss.
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Lot 2 is a multi-supplier Lot and is accessible to UK Central Government and Wider Public sector organisations. Lot 2 of the framework can be accessed by placing a contract from the framework using only a Further Competition.
The Lot 2 suppliers are:
Supplier Address Contact
Davies GroupDavies Group Ltd7th Floor, 1 Minster Court, Mincing Lane, London EC3R 7AA
Stephanie [email protected]
Gallagher Bassett
Gallagher Bassett International (UK) Ltd, 1st Floor, High Point, Sandy Hill Business Park, Sandy Way, Tamworth, B77 4DU
Francine [email protected] 683 701
Crawford Surveying ServicesCrawford & Company Adjusters (UK) Ltd, 70 Mark Lane, London EC3R 7NQ
Jason O’sullivanjason.o’[email protected] 8590 012
BAI Claims Services LtdBAI Claims Services LtdPoplar House, Park West, Sealand Road, Chester CH1 4RN
Emma [email protected] 370077
The contract terms and conditions are available on the Crown Commercial Website Pricing for the framework can be requested via [email protected] . It is not on the website for confidentiality reasons.
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Frequently Asked Questions
1. How does the new Insurance Services 3 offering work?
Insurance Services 3 (IS3) is split into 2 commercial agreements. RM6020 is a framework agreement with a lot for insurance brokers and a lot for claims handling suppliers. RM6138 is a Dynamic Purchasing System (DPS) for insurers. Insurance Brokers on RM6020 will access RM6138 on behalf of customers to ensure their insurance requirements are met. Previously IS2 was a framework agreement with separate lots for insurance providers, insurance brokers and a claims handling supplier. We have merely split the lots on IS2 into 2 agreements.
2. What is new about IS3?
Apart from the split of the agreement into a DPS and Framework Agreement the following enhancements have been made: New categories of insurance such as health and life assurance have been added. New insurers have been added to the DPS giving customers greater choice. New insurance brokers have been added to the framework, giving customers greater choice. Claims handling has been expanded to cover the whole of the public sector, previously it was for
Central Government only. Claims handling now has 3 suppliers providing competition and allowing customer choice. Up to date Public Sector Contract Regulations used covering GDPR and Social Value
3. What is a Dynamic Purchasing System (DPS)
The Dynamic Purchasing System (DPS) is a procedure available for contracts for works, services and goods commonly available on the market. As a procurement tool, it has some aspects that are similar to an electronic framework agreement, but where new suppliers can join at any time. However, it has its own specific set of requirements. It is to be run as a completely electronic process.
4. Why have you used a DPS for Insurers instead of a lot on the framework agreement?
A DPS offers greater flexibility over a framework where suppliers can join the DPS at any time over the life of the DPS. One weakness on IS2 was that for certain classes of insurance there was little or no cover therefore customers had to go outside of the contract. Where customers demand certain specific classes of insurance, suitable insurers can be recruited onto the DPS to meet those demands.
5. How do I find out which suppliers have been appointed to IS3 and the services they offer?
As on IS2 a supplier matrix will be available to buyers showing the supplier both on the DPS and the framework agreement and their offering. If buyers email [email protected] then this information will be sent out from CCS Customer Service Centre.
6. How do I call off from IS3?
a) From RM6138 DPS
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Using the DPS is a fully electronic process and guidance is given on our website. [LINK]. There are a small number of insurers who will deal directly with the buyer so choosing a supplier from the DPS is via further competition only, a direct award to an insurer is not possible. Alternatively your broker will have access to the DPS and will carry out a further competition on your behalf with a large number of insurers, as most insurers will only deal through an insurance broker.
b) From RM6020 Insurance brokerage and Claims Handling Services
You do have the option to direct award an insurance broker on lot 1 if your anticipated fees from the broker is below £12.5K, your requirements are straightforward and not of a complex nature. A direct award pack is available from CCS Customer Service Centre at [email protected]. For all other requirements then a further competition must be carried out.
For lot 2 Claims Handling a further competition must be carried out, direct award is not possible on this lot.
7. If I run a further competition under Lot 1 under R6020 to choose an Insurance Broker, can I ask for insurance prices as well as all associated fees and commissions?
In this further competition you must only ask for the Insurance Brokers fees/commissions to meet your requirements, i.e. place insurance cover or offer advice/other services. We strongly recommend that you ask for a complete breakdown of costs associated with the placement of your insurance cover as Insurance Brokers will receive various commissions from insurance companies, these vary with class of insurance and insurance company. Under FCA rules the Insurance Broker is duty bound to disclose the breakdown of their total remuneration.
8. Do I need to use the Crown Commercial Service eSourcing Suite to run the further competition and is there any guidance provided?
No you can use any eSourcing suite to conduct a further competition. We recommend that you put your organisation name and the framework number in any subject heading when using a 3rd party eSourcing suite to make sure it is easy identifiable to the supplier. The Crown Commercial Service eSourcing Suite (a free service) is available to run your further competition. Further information can be found here [LINK]
9. What areas could I explore in a further competition?
There are a number of areas in which you could explore in a further competition, see the Customer and Supplier Guidance document for further information. If you are utilising the services of a broker they will be able to provide further advice and guidance.
Please remember to ask relevant questions i.e. insurance specific and please note there is a number of standard information on the suppliers contained within the supplier matrix so there is no need to ask for this again.
Please note you will need to tailor the criteria and percentages to meet your specific needs.
10. Who can access the framework agreement?
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All public sector organisations in England, Wales, Northern Ireland and Scotland. A detailed list of customers who can access the framework agreement can be found in the OJEU notice which can be found in the link [LINK]
11. I have a long term agreement with a broker under RM3731, can they still access RM6138 DPS?
Under RM3731 it explicitly states that Insurance Brokers under lot 2 of the agreement must use lot 1 of the same agreement so unfortunately in this occasion you must either re-compete or novate onto RM6020. We would recommend this approach for all long term agreements currently under RM3731 as RM6020 has been let in accordance with the latest public sector contract (PCR) and covers GDPR and social value.
12. You produce a comprehensive range of information such as letter of appointment and call off contract, what can I amend?
The areas that you are able to amend are those in the square brackets and highlighted in yellow. Although we recommend that the call off agreement should be kept as close as possible to the original version, should you wish to amend or add a clause of your own we would recommend you carry out some pre competition dialogue with potential suppliers to ensure that they can sign up to this clause(s) as there may be regulatory issues and ensure it is within the further competition documentation. No clauses should be added after the further competition is completed. Framework schedules and joint schedules cannot be amended.
13. If I utilise a broker can I still receive a quote from a direct dealing insurer/s?
Yes, however you will need to agree with the approach with your selected Insurance Broker and the direct dealing insurer/s. In some circumstances the buyer may need to issue further competition documentation to the direct dealing insurer using the DPS and the insurer response may need to be returned to the buyer. This would need to be agreed between all parties. It is worth confirming this approach when running a further competition for an Insurance Broker.
14. Am I able to collaborate with other public sector departments and will it deliver savings?
Yes, the framework agreement does allow you to collaborate with other public sector bodies and there have been a number of examples through the previous framework. CCS refers to this as “Clustering” and there is a schedule within the call off agreement that addresses this.
It is not possible to give an exact saving percentage as to what the collaboration will deliver. This will depend upon a number of factors for example; claims history, risk profile. Some possible tips for reducing costs could be the same policy wording across organisations, one review meeting with all partners and risk management philosophy.
Should you wish to collaborate you may wish to consider collaborating with similar risk profile organisations and speak with insurance professionals to discuss further.
15. Can I enter into a long term agreement (LTA) with an insurer and / or Insurance Broker?
Yes, you can have an LTA up to 5 years for both an insurer and broker. We would recommend you align the dates of both Insurer and Insurance Broker to avoid any miss match in terms and conditions upon framework end. Should you want to explore any LTA options these will need to be detailed in your further competition documentation.
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16. Can I run a further competition for the support services only?
Yes, you will need to make it clear in your further competition document that this is what you wish to do.
17. My incumbent Insurer is not on Lot 1; can a framework Insurance Broker still use them?
In this instance we would recommend your insurer to join RM6138, the process is straightforward and they can be added relatively quickly.
18. Can I run further competition on just 100% price?
No, you must include a quality element within your further competition. Information on the further competition process and percentages for each Lot can be found within the Customer User Guide.
19. How do I know what is the right insurance for me?
Should you be unsure on what classes of insurance and levels you need you may wish to seek insurance advice from an Insurance Broker or other insurance professional. CCS cannot offer this advice as we are not regulated by the FCA to do so.
20. What is a Broker and what is their role?
An insurance broker acts as an insurance intermediary between an insurer and a buyer, advising the policyholder on the most suitable product for their needs, helping to manage and mitigate potential risks and arranging to put cover in place.
21. What happens if a full claims history is not available (e.g. in the case of a newly established organisation)?
In the event of a full claims history being unavailable you will need to discuss the options with your appointed Insurance Broker (if applicable) or insurers.
22. What is funded insurance and how do I get a quote?
Funded insurance means different things to different people. In essence funded insurance is where there could be a number of pots/pools of money to cover accidental damage, third party damage or something similar. The pots/pools of money could be held by the customer, insurer or broker.
The framework agreement does not limit the funded methodology to one specific class of insurance.
23. Can I run an eAuction at the further competition stage?
Yes, you have the ability to run an eAuction across Lots 1 & 2 of RM6020. Before you proceed with an eAuction you may wish to consult the market before you do so to gage their appetite. Please note eAuctions are not generally conducted within the insurance market on lot 1 for Insurance Brokers however for lot 2 Claims Handling suppliers eAuctions have been successfully carried out.
24. What is the duration of the IS3 offering?
RM6138 - Dynamic Purchasing System for Insurers - 8 years
RM6020 - Framework agreement for Insurance Brokers and Claims Handling - 4 years
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25. I am required to demonstrate that we have followed EU Procurement Legislation, what can you supply me to satisfy this requirement?
The framework agreement has been let in conjunction with the latest procurement regulations. A copy of both OJEU notices can be found in the link [Link]
26. Does CCS need to be regulated by the Financial Conduct Authority (FCA)
No CCS does not need to be regulated by the FCA
Further Information
For further information please contact your framework manager, by
0345 410 2222
You can also learn more about what we offer online:
www.gov.uk/ccs
@gov_procurement
Crown Commercial Service
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Annex AIncluded, but not limited to, Insurance Services
Liability Insurance- Airport concessionaires- Airside liability- Charity trustees indemnity- Clinical trials- Clinical negligence
(medical malpractice)- Corporate legal liability- Cyber- Directors and officers
liability- Drones liability- Employers liability- Employment practice
liability- Environment liability- Environment warranty- Errors and omissions
(statutory duties)- Excess of loss liability- Failure to educate (PI
Education)- Financial loss- Intellectual property- Land charges- Libel and slander- Management liability- Marine liability - Media and advertising
liability- Non-negligent liability
- Nuclear/Radiation- Occupiers/Rented
property liability- Officials indemnity- Overseas liability- Pension trustees
indemnity- Personal liability- Pollution clean-up costs
(bartoline and European)
- Product recall products liability
-
- Professional indemnity (external services)
- Property owners liability- Public liability- Rail operators- Right to light/Easement- Service indemnity (motor)- Other liability
Travel and Personal Accident- Absence (illness and
maternity)- Bonds- Business travel- Contingency (kidnap &
random)- Crash team personal
accident- Group personal accident- Household – UK &
Overseas- Locum supply- Personal accident- Personal injury- Pilots loss of licence- Restrictive/Defective title- School journey travel- Special contingency- Supply teacher- Worldwide personal
effects- Other travel and personal
accident
Motor- Agricultural vehicles- Autonomous vehicles- Blue light- Comprehensive
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- Funded- Gap insurance- Legal expenses- Motor traders risks- Motor credit guarantee- Occasional business use- Special types- Third party- Third party theft & fire- Other motor
Property & Construction Insurance- Alternative
accommodation- Aviation hull- Balance of risks- Boiler explosion- Business interruption
additional increased costs- Business interruption
gross profit- Business interruption
gross rent- Business interruption
gross revenue- Business interruption
increased costs- Computer- Contract works – new
build- Contract works –
refurbishment- Crime- Delay in start-up- Deterioration of stock- Drivers professional
indemnity- Engineering all risks- Engineering business
interruption- Engineering inspection- Exhibition goods- Fidelity- Fine art- Fragmentation- Glass- Goods in transit- Hired in plant
- Latent defects- Leasehold/right to buy
housing contents- Livestock- Machinery movement- Marina installation- Marine hull- Marine transit/cargo- Material damage
(buildings/tenants improvements/contents/stock) specified perils
- Material damage all risks- Money- Mortgage interest- Museum artefacts- Own surrounding property- Software and data- Tenants home contents- Terrorism- Testing and
commissioning- Theft- Warranty & Indemnity- Other property and
construction
Health- Private medical insurance- Staff health insurance- International private
medical insurance- Healthcare cash plans- Dental- Other health
Life- Registered group life
insurance- Excepted life assurance- Dependants pension- Income protection/long
term disability- Group critical illness - Other life
Reinsurance- Treaty
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- Facultative- Other reinsurance
Other - Agricultural risks- Bonds/securities- Builders risk cover- Bunkers- Captive management
capabilities- Chancel indemnity- Charterers loss of use- Commercial legal
expenses- Clinical trials- Climate change- Comprehensive carrier’s
liability- Comprehensive
charterer’s liability- Comprehensive general
liability – mobile offshore units
- Comprehensive general liability offshore
- Credit- Crew- Cyber- Defective title indemnity- Defence- Diver’s professional
indemnity- Events- Event cancellation- Extended loss of hire
cover
- Film production- Forestry insurance- Hovercraft- Hull & machinery- Insurance linked securities- Judicial review- Key man- Legal expenses- Legal expenses for foster
carere- Loss of hire- Loss recovery services- Lottery win- Loss of hire- Natural disasters- Non owned aviation- Piracy- Political risk- Product recall- Product guarantee- Prize indemnity- Sensitive risks- Solicitors professional
indemnity- Specialised- Support services- Suretyship- Total loss of freight
interest- Total loss of hull interest- Uninsured loss of recovery
service- Warehouse keepers
liability- War risks cover
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