Products & Services

Binding authority

Our primary business is the placement of delegated authority insurance contracts or Binding Authorities for European business. We have expertise in placing delegated authority programs on behalf of Wholesale and Managing General Agents throughout Europe. Our professional and experienced team is able to place and manage individually created Binding Authority contracts for a wide range of exposures in various countries, providing coverage for many classes of business including but not limited to:

Professional risks

We are specialists in providing insurance solutions to professionals for liability for breach of professional duty, negligence, civil liability and financial losses suffered by their clients, arising out of advice and services performed for a fee. We offer cover on a worldwide basis for a wide range of professions including Solicitors, Accountants, Architects, Engineers, Design & Construct, Lloyd’s/Non Lloyd’s Insurance Brokers, Technology companies and Media risks.

Surety bonds

A surety bond is a guarantee to pay a loss sustained as a result of a breach of contractual or legal obligations. A surety bond is a contract of guarantee, not of insurance and involves three parties: the contractor, who puts the bond in place, the employer, who is contracting with the contractor and requires the surety bond to be provided, and the guarantor, who may be an insurer. In the event of the contractor’s default, the guarantor compensates the employer for any losses incurred.

Property

If a accident or fire destroys your shop or inventory scheduled for delivery, you want to be confident that your business can recover with as little disruption as possible. With property insurance, you can protect your business space as well as its contents. You can even elect to cover lost income or additional expenses incurred while your business is closed. The target is high-quality commercial companies and small and medium sized enterprises (SMEs) demonstrating good risk management practices.

Personal Accidents

Personal accident cover will pay your business a weekly sum if you, or an insured employee, are unable to work after an accident. If the accident is more serious and the injury results in permanent disability or even death, your business would receive a lump sum payment if it has personal accident insurance. We are specialist in providing personal accident insurance solutions as a stand-alone policy or as a benefit included as part of combined product.

Public Liability

Public Liability Insurance protects the insured party/business/person in relation to their legal liability at Law to Third Parties for bodily injury and/or loss or damage to Third Party property. It also covers any related legal fees, costs and expenses. You may think that this type of situation will never occur but billions of pounds are paid out every year in public liability claims. Having the right cover can be the difference between moving on from a mishap and your business being forced into financial ruin. In such a litigious society it’s vital to have public liability cover.

Loans protection

G&T Brokers has had for some years a qualified team dedicated to this specific product. Thanks to a long experience in this field, we have been able to develop agreements with the most important Banks and Financial Institutions operating in the market, enabling us to offer insurance cover in case of both, loss of employment and death.

Intellectual property

Whether your business is involved, and however unimaginable it might appear, you run the risk of an exposure to a potential breach of another’s intellectual property rights in the form of patents, trademarks, copyrights etc. Similarly, if you have such rights you are likely to find a potential infringer of your intellectual property and may wish to assert your rights against them. The coverage is extended to both scenarios, infringement liability and/or infringement assertion.

Motor

Provides financial protection against physical damage and/or body injury resulting from road traffic collisions and any liability that is established. The specific terms of vehicle insurance vary with legal regulations in each region. Vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions. Coverage range varies from third party liability, fire and theft, legal expenses to all-over coverage.

Marine Cargo

A policy that provides you with indemnity and financial protection for loss or damage to your cargo during transit. This constitutes goods in transit by sea, air and land as provided in the Institute Cargo Clause. We provide insurance advice and deliver high standards of service to importers/exporters, logistic companies on behalf of their customers, freight forwarders on behalf of their customers, manufacturers and other buyers and sellers engaged in international and/or local trade.

Fine art

We arrange art insurance for private, corporate and public collections, covering everything from paintings to stamp collections. We work with some of the world’s leading fine art insurers to help you to find the right cover. Our expertise can help to arrange tailored insurance solutions for your fine art and collectibles with worldwide coverage and protection for art while on loan or at an exhibition, providing fair compensation for any loss in original value due to damages, replacement or full cash settlement.

Contingency

We provide the right insurance solutions covering unexpected event cancellation, film and media setback, non-appearance of performers, prize indemnity, weather cancellation risks and ticket cancellation. We arrange cover to those parties involved in major sporting and corporate events, including broadcasters, sponsors, and individual entrepreneurs, as well as organisers or exhibitors at conferences, trade shows and concerts. We can also provide cover for the loss of any fees that have been paid in advance.

Yacht

G&T Brokers has a wide knowledge of Marine insurance classes, among them the major areas of Hull and Cargo, but also Yachts and Pleasure Craft. We can offer an extensive and competitive cover for damages to the Yacht. The policy can be applied to various type of speed and sailing boats, from damage to the hull, engine and equipment, to damage caused by land transportation, boat hire or races. Our experience in the market lets us arrange ‘Agreed value’ cover, where you agree with the insurer the replacement value of your boat.