Understanding an industry means understanding its processes, rules, liabilities and transformations. This is where we start in order to read risks and identify the most suitable responses.
Aviation & aerospace
From production to maintenance, from flight operations to airport management, the aviation & aerospace industry brings together high-value assets and liabilities distributed across the entire supply chain. Every operator experiences safety, regulatory requirements and business continuity differently, depending on their role. That is why we always start with who is in front of us: our attention focuses on their business, their responsibilities and their relationships with the other parties involved.
We analyse flight and ground operations, fleet, infrastructure, hangars and maintenance processes. This allows us to identify risks, assess their impact and see where cover is still insufficient.
We design and negotiate cover dedicated to the industry, including aircraft third-party liability, aircraft hull cover (Hull Insurance), Passenger Liability, war and terrorism cover, personal accident cover for crew and flight personnel, Hangarkeepers Liability, Ground Handling Liability, Aerospace Product Liability, cover for drones and UAS, and airport liability.
We check that existing insurance programmes are adequate and compliant with the requirements of ENAC, EASA and Regulation (EC) No 785/2004, so that operations remain compliant.
We support management, operations managers and administrations in managing risks, analysing contracts and choosing the most suitable risk transfer strategy.
We follow each claim from notification to settlement, coordinating appraisals and relations with insurers, aviation surveyors and international loss adjusters.
We assist public bodies, flying clubs and airport operators in preparing technical specifications and tender procedures, with a focus on regulatory compliance and adequate cover.
Bonds & sureties
Bonds and sureties support businesses and entrepreneurs in their work: they are often what makes it possible to win a contract, with a public body or a private party, and therefore to grow the business. The type of guarantee varies according to the nature of the obligation, its duration and the conditions required by the beneficiary. That is why we start from knowing the client and the tender or contract documents, and look for the most suitable solution on the market.
We help businesses choose the guarantees required for public and private contracts and support them in preparing contract and tender documents.
We structure programmes that bring together the company’s various guarantees and, where needed, combine them with cover for technological risks.
We assess the company’s reliability and financial strength on the basis of commercial information, direct knowledge and analysis of contract or tender documents. We also review the existing insurance portfolio, to understand the weight of bonds compared with other policies.
We prepare a complete submission for the guarantee request: the company’s financial documents, contract or tender documents, the required policy or bond wording and an estimate of bonding needs.
We approach the primary and secondary surety markets in a targeted way, assess the quotations received and present the most suitable offer to the client.
We keep track of existing surety facilities with the primary and secondary markets, so that the company has the guarantee capacity it needs for new tenders and contracts.
Property Managers
Condominium management involves protecting buildings and the liabilities of those who administer them. Damage to buildings, maintenance, work entrusted to third parties and compensation claims can affect both owners and managers. Our assessment makes it possible to distinguish products covering building-related risks from those connected with professional activity and the management of common areas.
We identify issues related to the building and to management activity, assessing which events are most likely to occur and where protection is needed.
We examine existing cover, with its limits and exclusions, to check what is actually protected and where gaps open up.
We follow cases from notification to settlement, coordinating relations with the insurer, loss adjusters and the professionals involved.
We explore and explain the rules and terms already in force and assess in advance the situations put forward by the client, with a view to possibly opening a claim.
Construction
Every construction project involves different companies, suppliers and contractual obligations. Damage to works, site accidents, third-party liability and delays can affect timing and costs. That is why we assess risks starting from the characteristics of the project, the stages of execution and the responsibilities of each party involved.
We support contractors and clients on major civil and building works, with insurance programmes structured for public and private contracts.
We assess and manage the most complex technological risks and set up framework agreements for CAR risks according to the type of works carried out.
We gather information on the project and on the client’s experience with the type of works, and analyse the insurance risk on the basis of the contract and technical documents: works schedule, geological report and project description.
We prepare the quotation slip with specific conditions, deductibles and sub-limits for specific sections of cover, together with the necessary technical and contract documents.
We approach a selected group of insurers specialising in the type of risk, such as tunnels, roads, civil works and housing, working with construction-sector insurers. We compare the quotations received and present the offer, usually within about 10 working days.
We follow claims from notification to settlement, coordinating loss adjusters and insurers and drawing on the Group’s loss adjusting expertise.
Cyber
A cyber incident can halt production, compromise sensitive data and involve customers and suppliers. Cyber attacks are constantly increasing, and their consequences depend on the systems used, the information managed and the ability to keep services running. We analyse these exposures to understand prevention priorities and insurance protection needs.
We assess the organisation’s level of protection against cyber threats, identifying the most significant vulnerabilities and the priorities for action.
We define a cyber risk management path, with prevention, monitoring and ongoing updating measures, to reduce the likelihood and impact of incidents.
We source on the market cover dedicated to cyber risk, suited to the characteristics of the client’s systems and the information it manages.
We check how cyber risk affects existing policies, such as third-party liability, All Risks Property and D&O, to identify any areas that are not covered or not clearly defined.
Employee benefits
People are the heart of every organisation, and their needs change according to age, the make-up of the company and the moment in time. That is why we start by listening: we analyse the company’s workforce, identify priorities and build welfare and protection programmes that employees understand and the company can sustain over time, integrating health cover, assistance cover and other benefit tools.
We offer clients the option of activating health cover through a healthcare assistance fund. In this way, employees and the company can benefit from the tax relief provided for by Article 51(2)(a) of the Italian Consolidated Income Tax Act (TUIR).
A private login makes it possible to view one’s insurance position, check active cover and request reimbursements. Through the network of affiliated facilities, selected hospitals, clinics and diagnostic centres, employees can book treatment, receive remote consultations and, in serious cases, obtain a second opinion from qualified specialists.
A telephone and email service answers questions about the cover, how to use it and how to interpret policy terms.
For the most serious or complicated claims, we stand by the insured until the case is closed. We help gather the medical documentation and, when needed, provide a panel of qualified forensic physicians for independent expert reports and damage assessment.
We organise screening, check-up and prevention campaigns for specific categories of workers. We also hold information sessions and webinars explaining how health, life, accident and long-term care cover works, with individual and family psychological support always available.
We prepare periodic reports on the use of cover, with trends and possible corrective actions. We compare costs and cover with companies in the same industry and build the benefit plan renewal strategy, also measuring employee satisfaction to identify where to improve.
Energy
Energy production and distribution depend on plants, networks and evolving regulations. Breakdowns, interruptions, natural events and environmental liabilities can affect the continuity of services. The dependencies between infrastructure, technology and activities must be considered in order to identify the most significant exposures.
Healthcare
Healthcare facilities and professionals face risks linked to the quality of care, clinical liability and continuity of services. The use of new technologies and data management introduce further exposures. The assessment must reflect the organisation of activities and the liabilities of operators.
We design and negotiate liability cover for public and private healthcare facilities, suited to their activity and the risks it entails.
We identify liability cover for gross negligence of healthcare professionals, in compliance with the Gelli-Bianco Law.
We offer cover for the legal costs of doctors, nurses and self-employed professionals involved in proceedings related to their activity.
We analyse the self-insurance regime, total or partial, and check that the facility complies with Law 24/2017 and with implementing decree no. 232/2023.
We support the establishment of claims reserve funds and the risk fund, and take part, with a direct presence, in the Claims Evaluation Committee.
We organise training programmes for healthcare staff on clinical risk, prevention and insurance compliance.
Hospitality & tourism
Hotels and resorts manage properties, businesses, services and direct relationships with guests. Security, personal data, natural events and business interruptions can affect service quality and profitability. Every property is exposed differently, and protection priorities change depending on many factors: that is why we always start by analysing the client’s specific situation.
We analyse the property’s risks and review existing insurance contracts, to understand what is covered, what is not and where to act.
We examine relationships with partners, Suppliers and Procurement, including tour operators and agencies, to identify the risks arising from these ties and the protections to put in place.
We analyse the needs of groups and individual properties and identify the most suitable cover on the market, from All Risks with Business Interruption to third-party liabilities such as General, Property, Product, Public and Contractual Liability.
We support brands, investment funds and family offices with technical assistance during M&A, W&I and Due Diligence, and with dedicated Transactional Insurance Advisory.
Beyond basic policies, we identify market solutions for environmental risks, events, cyber, D&O, legal expenses, Bonds & Surety, Fine Art and corporate welfare.
We handle the administrative management of policies, assist with claims and complaints, and support the client with renewals and contract changes, so that protection stays up to date over time.
Large claims
High-value or particularly complex claims require an in-depth analysis of facts, liabilities and contractual terms. When they involve directors and officers (D&O), legal expenses or third-party liability, they can involve several parties and different areas of expertise. That is why we precisely reconstruct the documentation, carry out the necessary technical assessments and coordinate all the parties, following the case from start to finish.
We take the claim notification and study the documentation, checking which policy can be triggered. We point out any issues to the insured and, if necessary, request an investigation.
We open the claim with the reference numbers of the appointed loss adjuster and claims handler, so that every step can be traced from the outset.
We follow the claim in dealings with the insurer, loss adjusters and lawyers, monitor its status and chase the insurer and loss adjuster when needed. We also handle relations with third parties and, in the event of denial, obtain and verify the reasons for rejection.
We confirm recognition of the right to compensation, obtain the release and check that the closure is formally and substantively correct. Finally, we notify the insured.
We store documentation and correspondence in a digital archive and keep them for the legally required period, so they can be retrieved in the event of later developments.
Legal Expenses
Contractual disputes, court proceedings and other litigation can involve significant legal costs for businesses, professionals and individuals. Needs change according to the activity carried out and the nature of potential disputes. Our established knowledge of the cover required, and of the applicable limits and exclusions, makes it possible to understand which expenses can be covered and on what terms, proposing the product best suited to each need.
We identify the client’s legal exposures and assess which disputes are most likely to arise, to understand in advance where protection is needed.
We examine existing cover, with its limits and exclusions, to check what is actually protected and where gaps open up.
We follow cases from notification to settlement, coordinating relations with the insurer and the professionals involved.
We explore and explain the rules and terms already in force and assess in advance the situations put forward by the client, with a view to possibly opening a claim.
Lloyd’s Market
The Lloyd’s of London market is one of the world’s leading reference points for the insurance of complex and specialist risks. Access is through authorised intermediaries and requires an in-depth assessment of the characteristics of the risk and of the cover available. Understanding how it works helps to appreciate the opportunities offered by a market capable of providing highly specialised insurance solutions even for particularly complex needs.
We source cover on the market for vessels and yachts, including Hull & Machinery, Increased Value, Loss of Hire, war risks, liability and crew.
For manufacturers, traders and logistics operators we select cover for goods and fleets, including Project Cargo, delay in start-up (DSU) and Stock Throughput programmes, from production to final delivery.
For shipyards and shipbuilding companies we identify cover such as Builders’ Risks, Construction All Risks and delay in delivery, helping to safeguard project timelines and financial stability.
We cover Charterers’ Liability, Protection & Indemnity (P&I), contractual liabilities and pollution risks, helping the client to manage legal and operational obligations with precision.
For port authorities, terminal operators and railway managers we identify cover for physical damage, operational liabilities, abandonment and any equipment breakdown, so as to protect rolling stock, infrastructure and continuity of services.
For high-value assets, museum collections and sensitive transport we identify confidential, specialist cover tailored to the specific needs of each collection or asset.
Loss adjusting
Independent loss assessment
For insurance companies, businesses and public bodies, we establish the causes and circumstances of a loss, the liabilities involved and the extent of the damage. Thanks to rigorous investigation, independent judgement and specialist technical expertise, we manage each case in an orderly way through to settlement, including negotiations for a fair agreement. This significantly reduces handling times and the risk of litigation.
Knowing the risk to insure it correctly
We carry out risk assessments of plants, facilities and operations, including in support of new initiatives, acquisitions or insurance programme renewals. We check whether sums insured, limits, deductibles and exclusions are adequate. We complete the analysis with a study of past claims and with risk engineering and loss prevention, to identify the measures that reduce exposure and improve how the insurance market assesses the risk.
The right balance between retained and transferred risk
We support management in defining the risk management strategy and in finding the most efficient balance between what is worth retaining and what should be transferred to the insurance market. We deal with:
Technical and operational support to the market
We support insurers in public administration tenders: we analyse tender specifications and risks, build the technical and economic offer and support them through the commercial phase. We also handle claims on an outsourced basis, including complex portfolios, with specialist expertise and dedicated operational teams.
Recovery claims handled at no cost to the client
When the damage is caused by a third party, we recover compensation out of court from the party responsible and their insurer. We agree the appropriate amount with the loss adjuster and claims handler, submit the proposal to the client for approval and follow the case until payment is actually made. Our fee is paid by the insurer as part of the settlement, at no cost to the client.
Alongside the insured in the most significant claims
In first-party claims, i.e. those indemnified under the client’s Property or All Risks policy, we act as the insured’s loss assessor when the severity of the damage requires constant discussion with the insurer’s loss adjuster. We follow every stage of the investigation: from reconstructing the causes to quantifying the loss, through to settlement of the indemnity. As a rule, the appointment involves no cost for the client, as our fees are covered by the “loss adjusters’ fees and expenses” clause found in most of these policies, within the limits the policy provides.
Marine
The Marine and transport world encompasses activities, infrastructure and operators characterised by complex risks, which require specialist expertise, in-depth knowledge of insurance markets and an international outlook.
Drawing on a well-established wealth of experience and professional expertise, we offer dedicated insurance solutions for the maritime, yachting, cargo, shipbuilding, port, logistics and rail sectors, with particular attention to the liabilities of the various operators and of cargo owners.
An integrated approach that combines consulting, risk analysis and management, access to Italian and international insurance markets, the structuring of tailored insurance programmes and specialist assistance in claims management.
Insurance solutions for commercial fleets and individual vessels, with Hull & Machinery cover, liability and the risks connected with shipowning activities.
Insurance programmes dedicated to yachts and superyachts, with cover for hull, liability, crew and the specific risks of pleasure navigation.
Cover for goods transported by sea, land and air, for industrial companies, traders, freight forwarders and carriers, including through international programmes.
Insurance solutions for shipyards, construction, refitting, repair and maintenance of boats and ships, including the liabilities connected with these activities.
Consulting and insurance programmes for railway companies, rolling stock, leasing, infrastructure, maintenance providers and operators across the rail supply chain.
Specialist cover for the liabilities of shipowners and maritime operators, including third-party risks, crew, passengers and liabilities arising from maritime activities.
Insurance solutions dedicated to ports, terminals and port operators, with cover for infrastructure, equipment, civil liability and the risks connected with port activities.
Insurance programmes for logistics and multimodal transport operators, freight forwarders and supply chain managers, with particular attention to professional and operational liabilities.
Malpractice Claims
A medical malpractice claim requires technical expertise, knowledge of the medico-legal and insurance context, and a precise method. We stand alongside healthcare facilities and policyholders at every stage, from dealings with insurers to claims management, with one clear aim: to protect the client’s interests and bring clarity to what happened and what can be done.
Every case starts with a careful reconstruction of events. We examine the clinical documentation and assess the diagnostic and treatment pathways, so as to understand precisely what happened before making any decision.
We identify the professional and organisational liability issues connected with the case. Knowing who is involved and to what extent helps us shape the defence and discuss compensation claims on solid grounds.
We interpret the contractual terms and check that the cover is in force and that policy obligations are met. The same applies to so-called risk self-retention, when the policyholder bears the risk.
We bring together healthcare facilities, professionals, medico-legal consultants, lawyers, insurers and loss adjusters. Constant coordination prevents delays, lost information and conflicting positions.
We help assess compensation claims and engage with insurers. Where necessary, we identify the most appropriate solutions to resolve the dispute.
We support the client throughout the claim, following the investigation and settlement process. Continuous oversight helps manage timing better and reduce risk.
Oil & gas
From exploration to refining and distribution, oil & gas activities involve plants and operations with different exposures. Fires, breakdowns and spills of substances can have consequences for people, the environment and production continuity. The analysis considers operating conditions, including offshore, and liabilities along the supply chain to guide prevention and protection.
We assess exposures along the entire supply chain (upstream, midstream and downstream, onshore and offshore) with a risk engineering approach: fire, explosion and loss-of-containment scenarios, estimation of maximum loss (PML/EML) and impacts on people, the environment and production continuity.
We examine the existing programme (sums insured, limits, sub-limits, deductibles and exclusions) and compare it with the risk profile and with contractual obligations towards clients and partners, to identify underinsurance and gaps along the supply chain.
We structure and place on national and international markets All Risks and Business Interruption programmes for refineries, coastal depots, process plants and distribution networks, with particular attention to the determination of values, indemnity periods and, for upstream, Control of Well cover.
We assess exposure to sudden and gradual pollution and liability for environmental damage and remediation under Legislative Decree 152/2006, and identify the most suitable Environmental Impairment Liability cover to contain the economic, legal and reputational consequences.
We analyse liabilities towards third parties and clients in onshore and offshore activities, including contracted works and reciprocal indemnity regimes (knock-for-knock), and select general, products and marine liability cover consistent with operating and contractual conditions.
We support the client from notification to settlement: coordinating loss adjusters, surveyors and technical consultants, quantifying direct damage and business interruption losses, and negotiating with insurers and reinsurers on the most significant claims.
Public sector
We protect public value. We manage risks. We build resilience. These are the three actions that guide our work with public bodies and public administrations, which we support in managing risks and insurance programmes, protecting assets, people and resources and ensuring the continuity of services.
Our consulting model combines insurance expertise, risk analysis and knowledge of the organisational and regulatory specificities of the public sector, helping administrations make informed decisions and use resources efficiently and transparently.
We identify, assess, treat and monitor the body’s risks. We analyse exposures and the organisation’s specific characteristics to identify the most suitable cover on the market and optimise existing insurance programmes.
We support the body at every stage of the procedure: from defining requirements to preparing the technical and administrative tender documents, including tender rules, specifications and annexes, through to assistance in the subsequent stages.
We monitor cover, deadlines and obligations, and check that cover remains adequate, to prevent gaps and issues and ensure timely management of insurance programmes.
We assist the body in handling individual cases, following their status and progress. We also analyse loss trends over time, identifying causes, impacts and recurring issues, so that decisions are supported by data and analysis.
We analyse cyber, climate and catastrophe risks, supporting prevention activities and the definition of resilience strategies.
We provide data and digital tools to monitor risks, insurance costs and claims trends. We also continuously follow regulatory developments and the insurance and risk management issues relevant to the public sector, with dedicated specialist assistance.
Rail
Passenger and freight transport, rail networks and urban rail mobility require coordination between infrastructure managers, operators and maintainers. Accidents, rolling stock failures and disruptions can affect safety and service continuity. Understanding the responsibilities of each party and the dependencies between network and vehicles makes it possible to identify protection needs.
We know the needs of each railway operator and build programmes that protect assets, business continuity and legal and contractual liabilities.
We study the client’s specific risks and prepare a detailed description of its business, to be presented to insurers with high security standards.
We check that the obligations set out in the contracts are matched in the policies, avoiding commitments beyond market practice that would lead to higher premiums.
We open claims only after checking that liability cannot be attributed to third parties, manage reserves carefully and coordinate specialist loss adjusters, selected so as to avoid conflicts of interest.
We support risk management and loss prevention procedures, because controlling claims frequency over time is the basis for sustainable premiums.
For homogeneous purchasing groups we organise the sharing of the highest limits, in order to significantly contain premiums.
Self-employed professionals
Professionals and organised professional groups share some protection needs, but face different liabilities depending on the activity carried out. Professional errors, data protection and business continuity can affect the relationship with clients and the people they serve. Even in collective solutions, knowledge of individual profiles remains essential.
Steel & automotive
Steel production and the automotive supply chain are characterised by complex industrial processes and strong interdependence between plants, suppliers and operators. Breakdowns, production stoppages and product defects can generate economic consequences and liabilities along the entire supply chain. Effective risk management requires in-depth knowledge of production processes, operational interdependencies and supply chain vulnerabilities, as well as the liabilities connected with the different activities.
We identify the risks of plants and production processes, assess the most exposed areas and indicate the prevention measures that reduce the likelihood and severity of damage.
We analyse industrial assets and the economic impact of any production stoppage, to identify on the market the cover best suited to ensuring business continuity.
We analyse our clients’ exposure to damage caused by products to customers and third parties, along the entire steel and automotive supply chain, and identify the most suitable insurance solutions on the market.
We assess dependence on critical suppliers and points of concentration in the supply chain, to understand where a disruption can spread and how to limit its effects.
We assist companies in managing recalls, from risk assessment to identifying on the market cover dedicated to withdrawal and communication costs.
We follow the largest claims by coordinating loss adjusters, technical experts, lawyers and insurers, with constant attention to the reconstruction of events and settlement timing.
Travel insurance
Booking a trip exposes travellers to two types of risk. Cancellation before departure for a reason that could not be foreseen at the time of booking, and the need for medical assistance and support because of an unforeseen event during the trip. A tailor-made insurance policy provides adequate cover to protect both the investment made and the person travelling.
We specialise in designing insurance programmes for tour operators, networks and travel agencies. We put together products that cover the typical risks of leisure travel, from financial protection in the event of cancellation to assistance during the trip through an Operations Centre. In addition to policies for individual bookings, we issue products for groups, student trips and air ticketing.
We provide tailor-made cover for executives and employees travelling on business, with guarantees and limits suited to the needs and risks of their profession and to the protection of company assets, including in areas considered to be at risk.
We look for the best solutions for the professional liability cover of travel agencies and tour operators, both for the compulsory first-risk policy (regulated by the Italian Tourism Code, Legislative Decree 79/2011, with a limit of €2,100,000) and for the so-called second-risk policy, covering catastrophic events with an insurable limit of up to €35,000,000.
In addition to professional liability insurance, we offer a range of solutions for the refund of the price paid and the immediate repatriation of the traveller in the event of insolvency or bankruptcy of the agency or tour operator (pursuant to Article 47 of the Italian Tourism Code). Insolvency and bankruptcy insurance for travel agencies and tour operators is a legal requirement under the Italian Tourism Code (Legislative Decree 79/2011), implementing EU Directive 2015/2302.
This is the platform developed to make the selection, quotation and purchase of travel insurance cover simpler, faster and more efficient. A B2B portal that lets operators manage the entire policy issuing process independently, with a guided comparison system to identify the most suitable insurance solution based on the characteristics of the trip and the customer’s needs.
The characteristics of the industry determine different exposures and priorities. This is why we select the expertise and services most consistent with the client’s context.
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