Business Risk

Peace of Mind for Your Business – One Tailored Risk Solution at a Time.

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Navigating the Risk Landscape

In today’s dynamic business environment, unforeseen business risks are around every corner. From property damage and operational disruptions to liability claims and cyber threats, safeguarding your assets and ensuring uninterrupted growth requires a proactive approach. At Hepburns, we understand the unique challenges you face and are dedicated to empowering your success with tailored risk solutions that navigate the ever-present risk landscape, allowing you to focus on what you do best – driving your business forward.

Tailored Protection, Built for Your Business

One-size-fits-all insurance simply doesn’t cut it. We believe in the power of bespoke insurance solutions designed to integrate with your specific needs and vulnerabilities seamlessly. Our experienced team meticulously analyses your operations, identifies potential risks, and crafts a comprehensive coverage plan that shields your business from financial and operational uncertainties.

Comprehensive Cover, Unwavering Support

Our bespoke policies offer a robust range of coverage options, including:

Property Insurance

Secure your physical assets against fire, theft, weather damage, and other unforeseen events.

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Liability Insurance

Protect your business from third-party claims arising from injuries, property damage, or legal disputes.

Business Interruption Insurance

Minimise the financial impact of unexpected disruptions with coverage for lost revenue and additional operating expenses.

Cyber Insurance

Safeguard your digital assets and reputation against cyberattacks, data breaches, and ransomware demands.

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Leadership Assurance Coverage

Our Directors & Officers (D&O) Insurance provides unmatched support against the challenges leadership faces. Leveraging our connections with leading markets, including Lloyd’s of London, we secure a safety net for a broad spectrum of claims. These range from shareholder disputes to legal investigations, employment issues, or the financial difficulties of a company. Here’s how we support you:

Legal Representation

We connect you with the legal expertise necessary to defend your interests. Our aim is to align with your preference for local legal counsel, including those within the Channel Islands, ensuring that your defence is as robust as possible. However, the selection of legal representation is designed to offer you the most effective defence, which may include experts from various locations, based on the insurer’s provisions.

Financial Security

The insurance provides for the costs of legal defence, including fees, settlements, and judgments for claims that fall within the coverage scope. This aspect of the policy is crucial, offering financial and legal protection to safeguard your personal and company assets against potential liabilities.

Tailored for Your Needs

Understanding that each leadership role comes with its unique set of risks, as an insurance broker we can find the best customisable Directors & Officers Insurance options:

Employment Practices Liability

Defends against claims from employees alleging issues like discrimination, wrongful termination, and harassment, offering peace of mind in these sensitive areas.

Corporate Legal Liability

Protects against claims of mismanagement and breaches of fiduciary duty, ensuring you're covered against corporate governance challenges.

Pension Trustee Liability

For trustees managing company pension schemes, this cover reduces legal and financial risks, allowing you to focus on your responsibilities with confidence.

Regulatory Compliance and Governance

Shields you from the fallout of regulatory non-compliance or governance failures, enabling you to fulfil your duties without the fear of personal liability.

Our commitment at Hepburns goes beyond traditional brokerage. We navigate the intricacies of the insurance market to connect you with solutions that not only meet but exceed your expectations for comprehensive coverage and value. This approach allows us to offer a service that is as unique as the challenges you face, ensuring your leadership is supported at every step.

Don't let unforeseen risks hinder your growth

Contact us today for a private discussion about your insurance needs


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Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday – Friday 08:30-16:30 T: (01481) 738 080
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 738 080
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 515 151

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

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To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney