Cookie-cutter insurance doesn't work in today's complex business environment. At Irecon, we start by understanding exactly how your business operates – your processes, contractual obligations, supply chains, and growth objectives. This detailed analysis reveals your actual risk exposures, not just the obvious ones.
With 60+ years of combined industry experience, we know which risks to transfer to insurers and which to manage internally. This strategic approach often delivers more comprehensive protection at a lower overall cost.
We've seen firsthand how generic insurance programs fail businesses when claims occur, which is why we design customised solutions that address your specific vulnerabilities.
We view insurance as a business tool that should support your goals, not just a compliance expense. By aligning your risk management strategy with your business objectives, we help create the certainty you need to pursue opportunities with confidence.
Protection when your operations or products cause harm
Essential coverage for businesses that interact with the public, provide services, or supply products. This protection responds when your activities or products cause personal injury or property damage to others, covering both legal defence costs and compensation payments. We structure solutions that address your specific operational risks, creating financial security against potentially devastating liability claims. Coverage includes:
Comprehensive protection throughout your construction project
Specialised cover designed specifically for contractors throughout the entire job cycle - from workshop preparation to on-site construction and final commissioning. This dual-section policy protects both the physical works and your liability exposures, helping you financially survive accidents, damage, or injuries during construction. Coverage includes:
Protection when your operations or products cause harm
Essential coverage for businesses that interact with the public, provide services, or supply products. This protection responds when your activities or products cause personal injury or property damage to others, covering both legal defence costs and compensation payments. We structure solutions that address your specific operational risks, creating financial security against potentially devastating liability claims. Coverage includes:
Protection for businesses that provide professional advice
Essential coverage for professionals who provide advice or services where errors could result in client financial loss. This specialised protection provides both legal defence costs and damages if clients allege negligent advice or service failures, regardless of whether the claim has merit. Without it, professionals face potentially devastating legal and compensation costs that average over £100,000 per claim. Coverage typically includes:
Protecting your physical assets from unexpected damage
Essential coverage that responds when physical property is damaged or destroyed by insured events like storms, fires, or vehicular impacts. This adaptable protection creates financial security for property owners across residential, commercial, and industrial settings, ensuring rapid recovery from otherwise devastating losses. Coverage can be tailored for:
Comprehensive protection for company decision-makers
Essential protection for directors, officers and senior management against claims related to company operations and governance. This specialised coverage protects both personal assets and the company itself from financial impacts of alleged mismanagement, errors or breaches of duty. By covering legal defence costs and potential damages, this protection allows executives to make necessary business decisions without risking personal financial ruin. This policy has several extensions in addition to the typical Directors & Officers Liability coverage such as:
Protection for your vehicles on and off the road
Comprehensive coverage tailored to your specific vehicle needs, whether personal, commercial, or specialised heavy transport. We structure protection beyond basic requirements, ensuring your vehicles—and your business operations that depend on them—remain protected against accidents, theft, and liability claims. Coverage options include:
Protection against digital threats in an increasingly vulnerable world
Essential cover for the growing risk of cyberattacks and data breaches. With stricter privacy laws and sophisticated threat actors, cyber incidents can devastate your business through system damage, operational disruption, and regulatory penalties. Our specialised cyber coverage provides both financial protection and crucial incident response support when you need it most. Coverage includes:
Comprehensive coverage specifically designed for body corporate and community associations, addressing the unique insurance needs of shared property ownership. While only public liability and building damage coverage are mandatory, most committees choose broader protection to avoid unexpected special levies for repairs or incidents. Coverage typically includes:
Comprehensive protection for agricultural operations of all sizes
Specialised coverage designed specifically for farming businesses, from small family operations to large agribusinesses. This protection safeguards the unique combination of residential, commercial and agricultural assets that farms represent, with flexibility to address your specific agricultural focus. Coverage typically includes:
Comprehensive protection throughout your construction project
Specialised cover designed specifically for contractors throughout the entire job cycle - from workshop preparation to on-site construction and final commissioning. This dual-section policy protects both the physical works and your liability exposures, helping you financially survive accidents, damage, or injuries during construction. Coverage includes:
