Coverages: Business Interruption | Product Liability

Our product contamination policy is committed to safeguarding your business against financial and reputational risks. We understand that these events can lead to significant consequences, which is why our specialised coverage is dedicated to protecting businesses against the unexpected.

Coverages: Medical Malpractice | Product Liability | Professional Indemnity | Public Liability

Fairlight’s Medical Practices Insurance is designed for healthcare providers like GPs, specialist clinics, day surgeries, and allied health practices. It offers limits up to $20M for Medical Malpractice, Public and Products Liability, $30M for Commercial Property and $10M for Errors and Omissions. Our policy extensions include Abuse Liability, Contamination Costs, Fidelity and more.

Coverages: Commercial General Liability | Environmental Liability

The Barn’s Environmental Liability product provides comprehensive coverage for bodily injury, property damage, and clean-up costs resulting from the release of pollutants at, under, or migrating from real property owned, managed, leased, or rented to the insured. Our Fixed Site Environmental Impairment Liability (ELL) and Contractors Pollution Liability (CPL) coverage offer up to $5M per occurrence, with an annual aggregate limit.

Coverages: Commercial General Liability | General Liability

The Barn’s Specialty Trades product offers tailored General Liability cover for higher-risk trades and construction occupations. With coverage limits up to $20M and optional extensions available such as Errors and Omissions, Faulty Workmanship, and Statutory Liability. This product is ideal for electricians, concreters, welders, landscapers, and many more.

Coverages: Cyber

FTA Insurance offers one of the market's broadest Cyber Liability policies, featuring comprehensive definitions without common limitations. The modular design allows customization to align with an insured's specific business profile. This policy provides robust protection against escalating cyber threats, ensuring businesses are well-prepared for potential cyber incidents.

Coverages: Cyber

Emergence Insurance's Personal Cyber Protection Insurance offers comprehensive coverage for individuals and families against various cyber threats. The policy covers cyber events including, crimeware, cyber extortion and hacking, plus provides cover for identity theft, cyberbullying, cyberstalking, and cyber harassment. Coverage limits are flexible, starting from $50,000 up to $1,000,000, with base premiums beginning at $99 annually.

Coverages: Auto Physical Damage | Third-Party Damage

Coverages: Professional Indemnity

FTA Insurance's Professional Indemnity Insurance safeguards businesses against claims alleging financial loss, personal injury, or property damage due to negligent acts, errors, or omissions in professional services. Offering coverage limits up to $20 million, the policy features a full civil liability insuring clause, Extended Continuous Coverage, and Difference in Conditions and Difference in Limits provisions.

Coverages: Product Liability | Professional Indemnity | Public Liability

FTA Insurance's Information Technology Liability policy offers comprehensive coverage tailored for IT professionals. With limits up to $20 million, it features a full civil liability insuring clause, Extended Continuous Coverage, and Difference in Condition and Difference in Limits provisions.

Coverages: Equipment Breakdown | Third-Party Damage