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About Us

Inperio is an independent insurance intermediary based in the City of London, United Kingdom. We provide a bespoke range of insurance broking services to both international and domestic clients, and we are proud of our status as a Lloyd's of London Coverholder providing a range of successful, profitable underwriting services to UK based insurance companies. We are experienced risk advisors and insurance practitioners, and we focus on specialist areas of insurance and risk transfer where we have built up a strong technical knowledge, supporting clients whose demands can be complex and wide ranging.

Our boutique size allows us to provide our clients with a prompt response time to their enquiry, delivering a tailor made service which combines our in-depth market knowledge with solid technical expertise and data analysis. We continue to grow through referrals from professional contacts and our retained client base. Our primary focus is to continue to provide the personal, quality, tailored approach that has made us successful and has led to our high level of client retention.

We seek to build stable and long-term working relationships with clients, supported by our low staff turnover. Our business is about people and we are exceptionally proud of our loyal team who are committed to delivering an efficient and effective client service. The scope of our operation is niche yet diverse, if you cannot find what you are looking for within this website, please contact us personally to discuss your requirements.

Classes of Business Inperio Specialise in the following classes of business

In the United Kingdom, Material damage and Business interruption insurance policies have excluded terrorism since the early 1990's – and the standard Pool Re terrorism arrangement, designed to bridge the gap, has significant limitations. Therefore to address these concerns, we have created a competitively priced alternative terrorism insurance cover in partnership with Certain Underwriters at Lloyd's of London. This scheme has a number of benefits and pricing advantages over the standard Pool Re option, which are summarised and detailed further by clicking on the icons below;

Inperio are one of the few brokers to have been granted Lloyd's coverholder status for an online platform. The system has been designed to be as user friendly as possible and the Video below demonstrates the ease and speed of operation along with the scheme benefits. Should you wish to be added to our panel of Brokers and utilise this unique offering then please dont hesitate to get in contact and we can discuss further.

Watch the Video

  • Wider cover than Pool Re through broader definitions of terrorism (e.g. animal-rights groups)
  • Allows for increased customisation through Portfolio Selection and First loss Limits.
  • Cover for Commercial & Residential properties.
  • Cover for Sabotage and Ideological acts.
  • Cover for incidents caused by persons acting alone.
  • Attractive pricing.
Terrorism Brochure Highlights Sheet

Professional indemnity insurance is a requirement for Solicitors to practise in England and Wales and is necessary to their protect clients. Our experience as both Underwriting Agents and Broker in this class provides us with a breadth of experience and technical knowledge, and allows us to provide cost effective solutions for the Professional Indemnity needs of both the Insured and the Insurer alike. We have a highly developed understanding of the risk factors and through working with clients on these challenges we have provided bespoke solutions to diverse and complex problems.

A feature of a Professional Indemnity policy is the “claims made” trigger of indemnity. This provides cover for claims made (and reported to the insurer) during the period of insurance only, and not when the matter actually occured, which must be considered carefully.

The presentation of your business to insurers is very important both in respect of the facts, and the way in which you conduct your business, both of which influence an insurer's perception of your business and the risk it poses to them. We would always recommend that the submission includes the following documents;

  • A fully completed Proposal form
  • Recently dated Insurance Claims Summaries for the previous 6 indemnity years
  • CVs showing the principals qualifications and experience in the areas of practice to be covered
  • A copy of your corporate brochure or details of your website

Please remember to include the names of any businesses with which you have merged, or any that you have acquired, as these will need historic cover. Likewise you may have ceased to offer certain services for which cover is still required.

Keep your presentation neat and tidy. Bear in mind that an untidy presentation may be construed as a higher risk business. Allow yourself time to complete the presentation and remember that a neat original copy always looks better than a repeatedly copied and scanned document presented at the last minute.

Today’s businesses need to manage a multitude of risk issues, often on a daily basis. Inperio can help your organisation to meet these challenges, because our experts work together with you to understand risk from your perspective. This approach enables us to provide you with bespoke strategic advice and innovative solutions across a wide range of insurable risks.

For organisations that do not have internal risk managers or for organisations that want an external review of their current Insurance arrangements, Inperio can provide dedicated consultants to provide external risk advice, and insurance purchasing strategies.

With direct access to the Lloyd’s Market and the broader European insurance market, Inperio are well placed to not only help with insurance design, but also where required insurance placement, and pricing review services.

Inperio frequently get asked to undertake the following type of work:

  • Insurance Register Reviews
    Reviewing and collating current insurance programmes to mitigate policy overlap and review coverage gaps.
  • Insurance Balance Sheet Risk Assessments
    Holistic review of business operations, and Assessment and cost review of non-insured balance sheet risk.
  • Programme Design & Implementation
    Creation and Design of comprehensive insurance programmes to meet organisations insurance needs from a Group up coverage approach.
  • Tender Support
    Managing corporate insurance tenders (Insurers and Brokers), including scoring, awarding, ongoing tender monitoring and support.
  • Wording Reviews
    Reviewing insurance wordings against industry standards, and client requirements.
  • Esoteric Risk Placements
    Placement of insurance policies which do not fit standardised products or require specific product design.
  • Seconded In-house Risk Managers
    Placement of risk managers in-house on a temporary or consultancy basis, often to fill immediate needs of an organisation.

Consultancy can be tailored to your individual needs and budgets, and we would welcome discussion of the potential benefits to your organisation.

What is it? Medical malpractice insurance will pay both the legal costs of defending an action and any subsequent damages awarded subject to policy terms and conditions.

Who needs it? Medical malpractice insurance is for anyone working in the healthcare industry and associated caring professions. All medical practitioners including occupational health agencies, complementary health practitioners, nursing homes, care homes and other health professionals, should be protected.

Inperio have been instrumental in creating a brand new Medical malpractice product for a previously uninsured sector of the medical profession using expertise and market knowledge. Medical & Clinical Negligence claims are different from Personal Injury claims in that they require the Claimant to prove two separate things:

  • That the healthcare professional failed to carry out their responsibilities (Fault)
  • This is what caused the Claimant to be in the position they are now in (Avoidable Harm).

A negligence claim will involve a ‘breach of duty’. With the type of treatment received, if care fell below the standard expected of a reasonably competent and skilful specialist in that area of treatment a breach will have occurred. Avoidable Harm is also called ‘causation’. If the negligent care (rather than the underlying condition) of a claimant has caused ‘harm’, liability may arise.

A basic Medical malpractice insurance coverage will provide protection arising from the professional activities of an individual in the event of any incident, occurrence, fact, matter, act or omission which may lead to a claim.

In addition to this basic coverage, a medical malpractice policy will include defence costs – and costs of investigation to settle or defend a claim against malpractice including mental injury and Good Samaritan acts and also dishonesty of partners, directors or employees.

Meet The Team

The Directors of Inperio are experienced Insurance professionals, both of whom have many years’ experience working in the insurance sector across a wide range of classes. We take pride in the personal service and professional support we offer to all of our clients. We believe you should have the right support and our dedicated team will work with you closely from day one, and this knowledge and expertise ensures we are always acting in your best interests.

Team

David Armstrong

Product Development Manager

0203 176 5647

David.Armstrong@inperio.co.uk

Team

Luke Sutcliffe

Underwriting Assistant

0203 176 5642

Luke.Sutcliffe@inperio.co.uk

Careers

We are actively recruiting graduate calibre individuals for an administration focused role as an Underwriting Assistant in our Professional Indemnity Division, in a full time capacity between the 1st July and the 1st October. This is a fast paced back office role to support the underwriting of Professional Indemnity Insurance for Solicitors in England & Wales. As an essential team member during the campaign, you will have excellent time management skills, good attention to detail and the ability to work under pressure. This is an excellent role for someone wanting to gain experience and understanding of the technical aspects of insurance underwriting. For more information regarding the job specification please click below, and if you are interested in applying please send your CV to careers@inperio.co.uk

  • Underwriting Assistant Job Specification

We are also keen to talk with highly motivated individuals and we are especially interested in speaking to candidates who have the following skill sets: Professional Indemnity Underwriters, Terrorism Underwriters, New Business Developers. If you're interested in learning more, send an up-to-date CV with a covering letter to careers@inperio.co.uk

Contact Us

Please use the form below to contact us, or alternatively please do not hesitate to contact a member of the team directly should your enquiry be urgent.

Copyright © 2018 Inperio (London) Limited.