United Kingdom

Products and Solutions

Commercial and Corporate Insurance Covers

 

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  • Running a business is a challenge, and often involves putting your own finances at risk. At Aon Isle of Man, we offer protection for large and small businesses against unexpected events and design your insurance programme around your individual needs.

Construction

 

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  • Construction risks can be complex and significantly varied under contract. Our dedicated expertise can assist with Contractors All Risks, Professional Indemnity, Employers and Public Liability Own & Hired in Plant, Advanced Profits, Delay in Start-up, Rights to Light, Building Guarantee, Title Risks and Contract reviews.

Corporate Service Providers

 

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  • Professional Indemnity, Crime, Cyber cover and Directors & Officers Liability specifically designed to protect CSP’s. Cover can protect Staff sitting on the boards of Client Companies and can be extended to cover Regulatory actions against the company itself.

Cyber Solutions

 

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  • Cyber is one of the fastest growing risks for companies. Cyber insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker. Policies can include assistance and management when an incident takes place.

Digital & Crypto Currency Risks

 

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  • Aon are at the forefront of cover innovation in a fast-changing landscape. Talk to us about the covers that are currently available from our specialist teams.

Directors & Officers Liability Insurance

 

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  • Directors face unlimited personal liability in an increasingly litigious world and even spurious allegations will need defending. We offer bespoke solutions and our own specialist policy wordings for market leading cover.

E-gaming solutions including D&O and Prize Indemnity

 

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  • The gaming world requires specialist knowledge and cover. We offer a wide range of solutions including specialist Directors & Officers cover, Insured or ILS backed Prize Indemnity.

Global Insurance Programmes

 

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  • Through our network of over 600 offices across the world we can handle your insurance needs wherever you may be. Covers can be coordinated worldwide into a consistent level of worldwide cover including local policies where required.

Group covers for Private Medical, Permanent Health, Life, Critical Illness, Death in Service and Keyman

 

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  • Staff are a critical asset and need protection as much as buildings or machinery. We offer a wide range of solutions for non-investment covers.

High Net Worth

 

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  • Specialist buildings and contents cover for High Net Worth individuals including overseas properties, fine art collections, museum and other exhibitions cover ‘nail to nail’. Low excess levels for earthquake zones such as Portugal.

Intellectual Property

 

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  • We can value IP for a sale or purchase, provide Trade Secret Management, IP Risk assessments, IP Business Interruption, Enforcement Coverage, Source Code due diligence for acquisitions.

Liability Insurance

 

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  • Employers, Public & Products liability are standard covers, but policy wordings and exclusions can vary significantly. We can help you understand whether specific cover extensions are required such as financial loss you may cause without injury or damage, or damage to property in your custody or control neither of which are typically covered by standard policies.

Marine & Transit Insurance

 

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  • If you are importing, exporting or moving goods it is likely that you’ll want to cover loss or damage to your goods. Hauliers typically provide very limited cover and only where they are liable under the terms of carriage. We can arrange wider cover including loss or damage for which the haulier is not responsible.

Mergers & Acquisitions

 

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  • Significant sums can be involved and there can be many hurdles to overcome. Aon can help ring-fence or eliminate liabilities that can devalue or risk a deal falling through. Options include buying out historic liabilities, Warranty and Indemnity cover, closure of SPV’s, tax liability or litigation buyout, insurance due diligence and many other deal specific covers.

Motor Fleet

 

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  • We can offer enhanced cover where employees use their own cars for business which may be as simple as dropping off papers or a cheque on the way home.

Professional Indemnity

 

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  • If your business provides professional advice, offers consulting services, or handles data for a client, then you could benefit from Professional Indemnity insurance to protect your business against professional negligence claims. Even spurious claims can be expensive to defend in the absence of insurance.

Property and Business Interruption Insurance

 

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  • Cover for commercial buildings and contents including machinery, equipment and stock. Business Interruption cover for business income following loss or damage to property and can cover payroll to ensure you can retain your staff.

Property Owners

 

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  • Property owners can benefit from our specialist policy wordings providing enhanced covers, tenant certificates, non-damage business interruption cover and Aon terrorism facility for extremely cost-effective cover.

Retail & Leisure

 

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  • Specialist Aon policy wordings are available for the retail and leisure sector without exclusions for legionnaires disease or abuse claims. Cover can be to your specific needs and reflect the unique position of our island.
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