Bespoke (re)insurance to fit your circumstances​

At 3MG, we carefully consider our clients’ (re)insurance requirements so we can
deliver bespoke and cost effective risk transfer solutions.

​PROFESSIONAL INDEMNITY / CASUALTY

We specialise in the placement of professional indemnity / liability insurance, on an open market and binding authority basis, which is designed to protect professionals against claims of negligence or a breach of duty arising from a professional service which may have caused financial loss to the claimant.

Our team have a great deal of experience placing this increasingly complex class of business for a variety of professions based in the UK, Europe and
Internationally. We can assist with the placement of professional liability insurance for any of the below mentioned professional groups:

• Lawyers
  
• Real Estate Agents
  
• Insurance Brokers / MGA’s
  
• Accountants
  
• Architects and engineers
  
• Solicitors
  
• Clinical research professionals
  
• Miscellaneous classes
  

​However if you would like assistance with the placement of cover for a professional group falling outside of this list please do not hesitate to contact us.

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​MEDICAL MALPRACTICE

The practice of medicine and the delivery of healthcare is constantly evolving and our team’s expertise means that we can assist our clients in purchasing cover that best meets their requirements. Working closely with our clients and (re)insurers, in the London Market and Internationally, we can assist with the design of bespoke products to meet specific needs or assist with the placing of more traditional products. 

Our team has vast experience of placing medical malpractice (re)insurance on an open market and binding authority basis for Medical Defence Organisations (MDO), Lloyd’s Coverholders and Associations. Whilst arranging worldwide cover for our clients, our client base has primarily been in the UK and Canada, although we are able to consider other territories.

Our team also has experience in the Life Science sector, predominantly placing Clinical Trials (re)insurance programmes.

REINSURANCE

A key part of our strength is our relationships in the market across a wide range of classes of business, including reinsurance. We have dealt with treaty and facultative reinsurances for many years and regularly assist clients in the design and placement of bespoke reinsurance programmes, typically utilising manuscript wordings to ensure the reinsurance coverage matches that of the underlying risks.

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DIRECTORS and OFFICERS (D&O)

At 3MG we recognise the importance of protecting assets including personal assets. D&O coverage is an essential and valuable purchase for any professional entity and its directors and officers and our team is uniquely positioned to assist in the design and structure of D&O policies to ensure that limit and coverage provide important and suitable coverage.

​ACCIDENT & HEALTH

We can assist with the placement of accident and health (re)insurance, written as facultative placements and under binding authorities and facilities and both proportional and non-proportional treaties, for group and individual personal accident, disability, travel, sports accident and medical expenses amongst other classes.

We aim to deliver our partners a tailored solution by taking the time to understand their requirements and working with specialist London market (re)insurers.

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PROGRAMMES, BINDING AUTHORITIES AND FACILITIES

We have significant expertise in the design, placement and management of binding authority programmes and facilities on behalf of our clients, primarily Lloyd’s coverholders, across our main lines of business. With our access to Lloyd’s of London, as well as international markets, coverholders can benefit from being able to offer a wide range of classes of business.

Because we want our coverholders to focus on their business, we handle all aspects of the formation or renewal of their binding authority agreement, and negotiate the broadest coverage and most attractive commission (including profit share) to ensure they can continue to maintain and grow their client base. Our dedicated team also ensure smooth and rapid processing of bordereaux and other post placement services.

We are able to assist coverholders located worldwide, but have extensive experience handling binding authorities and facilities in the UK and Canada.

INTELLECTUAL PROPERTY

No matter what stage in the business cycle an IP proprietor is in (whether a start-up, SME or multi-national company), consideration should always be given to maximising the protection of its intangible assets. Patents, trademarks, registered designs or copyright by themselves may not offer enough protection against an IP dispute. Our team has experience in placing IP defence policies that provide protection to the insured in the event of an IP infringement claim. Although less common, we also have experience in placing IP Pursuit cover, which provides the insured with protection in the event they may wish to pursue an IP infringement claim against a third party.

Working closely with our clients and insurers, our aim is to place an IP policy that best meets the requirements of the client, which may also include cover for contractual disputes, loss of IP rights and loss of future profits.

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CYBER

Due to the significant rise in cyber attacks in recent years, and increasingly sophisticated methods used by cyber criminals to compromise data and hold companies to ransom, it is no surprise that cybersecurity is now a prominent organisational risk and cyber insurance is now considered as important as professional liability and general liability.

We can help you obtain cyber insurance that will protect your business, or your client’s business, against business interruption and financial loss arising from a cyber event. We can also ensure that you have access to specialist resources, including lawyers, forensic investigators and crisis communicators, who can help you manage a cyber event and get back up and running as early as possible.

GENERAL LIABILITY

General liability insurance is designed to protect commercial insureds from defined liability exposures, including third party bodily injury and property damage claims and associated costs and expenses. We can assist with the placement of general liability insurance across a number of industries, including but not limited to manufacturers, office premises, property managers (commercial and residential), construction, engineering and specialist contractors.

We can also assist with enquiries for pollution and contamination liability insurance and products liability insurance.

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MEDIA LIABILITY 

Media liability insurance is needed by those who create and/or distribute content, including video and film producers, advertising agencies, broadcasters/publishers, artists, authors, content creators, influencers, digital marketers, graphic designers and PR agencies and consultants.

This insurance, among other things, can cover insureds for all content that they are held responsible for, typically including third party content, and can protect against contractual liability for agreements signed that include warranties and indemnities.