Non-standard insurance refers to insurance requirements that fall outside the typical covers provided by standard insurance policies. These needs may arise due to unique circumstances, specialised risks, or specific requirements of an individual or business.

  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support


  • High-Risk Businesses: Companies operating in high-risk industries, such as mining, construction, and fireworks manufacturing, may require non-standard insurance due to the increased likelihood of accidents or property damage.
  • Startups and New Businesses: Insurance providers may classify startups and new businesses as non-standard risks because they lack a track record and financial history.
  • Unconventional or Unique Businesses: Companies engaged in unusual or niche industries, like extreme sports facilities or exotic animal breeding, may struggle to find standard insurance and need non-standard cover.
  • Businesses with Past Claims or Financial Issues: Companies with a history of insurance claims or financial problems may be considered non-standard risks and may face higher premiums.
  • Companies with Non-Traditional Assets: Businesses with non-standard assets, such as vintage collectibles or specialised equipment, may require tailored cover.
  • Businesses with Unusual or Complex Risks: Some companies face unique risks that don’t fit within standard insurance categories. For example, a business with a high exposure to cyber threats may need specialised cover.
  • High-Liability Businesses: Companies with significant liability exposure, such as event organisers or professional services firms, may require non-standard liability insurance.
  • Non-Compliance or Regulatory Issues: Businesses that have had compliance or regulatory issues in the past may find it challenging to secure standard insurance and may need non-standard cover.
  • Home-Based Businesses: Home-based businesses may require non-standard insurance to cover business assets and liability that are typically not covered by homeowners’ insurance.
  • Businesses with Non-Traditional Employment Models: Companies that employ non-traditional workers, such as freelancers or contractors, may require non-standard workers’ compensation insurance.

Insurance options for Non-standard businesses:

High-Value Property Insurance

If you own valuable assets such as luxury homes, high-end jewellery, artwork, or collectibles, standard homeowners or landlords insurance policies may not provide sufficient cover. In such cases, you may require specialised high-value property insurance to adequately protect your assets.

Special Event Insurance

When organising weddings, conferences, festivals, or other special events, standard liability insurance may not be enough to cover potential risks and liabilities. Special event insurance can provide additional cover for event cancellations, property damage, bodily injury, or third-party claims arising from the event.

Flood Insurance

Standard homeowners insurance policies usually do not cover flood damage. If you live in a flood-prone area or your property is at risk of flooding, obtaining separate flood insurance is crucial to protect your property and belongings.

Non-Standard Vehicle Insurance

Drivers with poor driving records, a history of accidents, or convictions may find it challenging to obtain cover through standard vehicle insurance policies. Non-standard vehicle insurance can be offered by specialised insurers, providing cover options for higher-risk drivers.

Unoccupied Property Insurance

Properties left vacant for extended periods may need unoccupied property insurance to cover the increased risks associated with vacant buildings.

Property and Asset Insurance

This coverage can help replace or repair damaged property due to events like fires, floods, or vandalism.

Terrorism Insurance

Some businesses may require terrorism insurance cover, especially if they operate in high-risk areas or industries susceptible to terrorist acts.

Legal Expenses Insurance

This insurance can help cover legal costs for various situations, such as employment disputes, contract disputes.

Cyber Insurance

With the increasing prevalence of cyber threats and data breaches, businesses may require specialised cyber insurance to protect against losses resulting from cyber attacks, data breaches, or other digital risks. This coverage can help with expenses related to forensic investigations, legal fees, customer notification, and data restoration.

Your insurance needs may vary depending on your business structure, and location and other factors.
Contact us to assess your specific needs and we will find suitable insurance options for you

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