1. March 2016ISSUE 02Advantage Risk Solutions Ltd is authorised and regulated by the
Financial Conduct Authority (FCA). Firm reference number 629688.
www.advantageuk.net
Bespoke insurance solutions for
today’s tech company
Client: Retailer, reseller and supplier of computer
equipment including assembly and system design
Insurance arrangements: Commercial Combined
covering contents, stock, public, products and
employers liability
Excess Public Liability
Computer / Cyber
Professional Indemnity
Management Liability
A complex picture
Technology companies have complex insurance needs –
balancing cyber threats with more traditional risks
associated with people and products. It can also be a
struggle to find insurers that provide a holistic solution.
This was highlighted when we carried out an audit for
well-known IT wholesaler/reseller.
We could already see that the number of polices, all with
different insurers had created a fragmented programme
and possible gaps in cover.
EXPERT ADVICE.
WAY ABOVE THE ORDINARY.
Client Stories - Protection

2. March 2016ISSUE 02Advantage Risk Solutions Ltd is authorised and regulated by the
Financial Conduct Authority (FCA). Firm reference number 629688.
www.advantageuk.net
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Any views or opinions expressed in this briefing are for guidance only and are not intended as a substitute for appropriate professional guidance. We have taken all reasonable steps to
ensure the information contained herein is accurate at the time of writing but it should not be regarded as a complete or authoritative statement of law.
Having to cover everything from extortion to crisis
management means it can be hard to see where one
risk starts, and the other one stops. For example, our
client had a specialist cyber policy but it only covered for
certain threats – leaving them vulnerable to business
interruption, financial loss and also possible reputational
damage.
Understanding individuality
The best way to ensure the clients were properly
covered in all areas was to engage with specialist
providers. They could really understand the challenges
facing the tech industry and create a bespoke solution
that addressed the risks, reduced the gaps in cover and
strengthened the client’s buying power. The client is safe
in the knowledge that their cover is structured in the best
possible way, and also allows them to call on PR and
crisis management experts to mitigate the negative
impact on others, helping to protect their reputation and
brand.
Finding balance
We were able to provide the clients with access to
superior cover and whilst it did give them a cost saving
on their premium it also helped them in a wider way. It
was valuable for the client to access specialist risk
management advice and to know experts in the industry
had created a solution tailored to their specific needs.
Who are Advantage?
Advantage Risk Solutions Ltd is a specialist insurance
broker and risk advisor to private individuals, not for
profit organisations and businesses across a wide range
of disciplines and industry sectors.
We like to think that our approach is refreshingly
different. Quality advice and exceptional service are
always our top priority. It’s the way that we think
creatively and how we bring this advice to you that
stands us far from the crowd.