Phase 2 · Strategy & Planning · From Idea to Executable Plan
Insurance & Liability Review
The business that discovers it is under-insured discovers it at the worst possible moment — when the claim arrives that the policy does not cover.
Insurance and liability review is the structured assessment of the business's insurance programme — examining whether the cover is complete, whether the limits are sufficient for the risks the business faces, whether the policy terms match the actual activities of the business, and whether there are contractual obligations requiring specific cover that is not in place. We identify the gaps before they become claims — and the over-insurance that is consuming premium without providing value.
The Pain We Solve
You may recognise yourself in one of these.
Three audience scenarios · because the same service produces a different transformation depending on where you are in the business journey.
Scenario 1
The business that has never reviewed its insurance programme since the policies were first taken out
The business has grown. The activities have changed. New geographies have been entered. New services have been added. The insurance programme was designed for the business at its founding — and has never been updated to reflect the business it has become. The gaps are unknown but real.
Scenario 2
The business that has been asked by a client to evidence specific insurance cover and cannot
The client contract requires professional indemnity of £2 million, cyber insurance, and product liability. The business has some of these, in amounts that may not be sufficient, and is uncertain about its cyber cover. The contract is at risk while the position is clarified.
Scenario 3
The business that has experienced a loss and discovered that the policy terms did not cover the claim it expected to make
The incident occurred. The claim was made. And the insurer has declined or reduced the claim because the policy terms excluded the specific circumstances — an exclusion that the business was unaware of when it purchased the cover.
The Impact It Creates
The Moment You Will Feel the Difference.
Insurance programme aligned with the actual risks and activities of the business as it currently operates
Cover gaps identified and filled before a claim exposes the absence
Client contract insurance requirements met without delay
Insurance costs optimised through the elimination of over-insurance and broker negotiation
What You Receive
The Specific Deliverables.
Tangible outputs · documented, dated, and yours to keep.
- Insurance programme audit — all policies reviewed against current business activities
- Gap analysis — risks not covered or insufficiently covered
- Policy limit adequacy assessment
- Client contract insurance requirements review
- Insurance procurement and broker negotiation support
- Insurance certificate management
The Outcome
Where You Will Be on the Other Side.
The business has an insurance programme that genuinely covers the risks it faces — with limits appropriate to the scale of the business, terms that match its activities, and the specific cover that client contracts and professional obligations require.
Primary Focus
Reviewing and optimising the business insurance programme to ensure it covers actual risks, meets contractual requirements, and has appropriate limits.
KPI Measurement
- Insurance programme coverage completeness
- Client contract insurance compliance rate
- Claims declined due to exclusions or limit inadequacy
- Insurance cost vs market benchmark
- Claim response time and settlement rate
Investment & ROI
Pricing Engineered Around the Value You Create.
Every engagement is sized against the value we believe we can create with you · the fee is always a fraction of the outcome. Four tiers · so the investment matches your stage of business.
Tier 1
Foundations
£5,000 – £15,000
Right for
Pre-startup, startup, and micro-business founders ready to build on evidence rather than instinct.
Typical Value Created
£100K+ in sharper resource allocation and avoided strategic missteps
Engagement
4 – 8 weeks
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 2
Acceleration
£15,000 – £50,000
Right for
Growing SMEs and established small businesses ready to scale a working model into the next revenue band.
Typical Value Created
£500K – £3M in faster execution and pipeline acceleration
Engagement
8 – 16 weeks
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 3
Transformation
£50,000 – £250,000
Right for
Medium enterprises and scale-stage businesses ready to commit to a multi-quarter, organisation-wide shift.
Typical Value Created
£2M – £20M in strategic value through repositioning, model redesign, and growth-system installation
Engagement
3 – 9 months
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 4
Enterprise
£250,000 – £2M+
Right for
Large enterprises, global operators, and complex organisations ready for a multi-year strategic partnership.
Typical Value Created
£10M+ in major strategic initiatives, capital deployment efficiency, and competitive repositioning
Engagement
12 months and onward
Target Return
5 – 10× ROI
within 12 – 18 months
Why We Price This Way
Every engagement is sized around the value we believe we can create with you. The fee is always a fraction of the outcome · typically 10 – 20% of the expected first-year return.
This is how we make sure pricing aligns with results. The conversation is never “what does this cost?” · it is always “what is this worth to your business?” We answer that together in the first call, transparently, and decide the right tier from there.
If we cannot articulate a credible 5–10× return for your specific situation, we will tell you in the first call. That honesty is part of why our clients trust us with the work that matters most.
Why This Conversation Matters
“Insurance is the protection you pay for and hope you never need. The protection you hope you never need is only useful if it actually covers what it is supposed to cover. We make sure it does — before the claim tells you it does not.”
A 90-minute structured strategy session · produces a usable roadmap whether you engage further or not.
More in Phase 2