Can you be sure...

...that your current broker will secure the most favourable terms

Soft markets do not require skill or depth of relationships; underwriters are hungry for premium, with many risks placed under 'combined' facilities. These maximised brokers' earnings but many no longer underwrite D&O. Protean Risk D&O specialists always use the 'open market', so they have the market knowledge and relationships to make a difference.

...that your renewal will be managed by specialists rather than generalists?

With Protean Risk you can - from the outset you’ll be dealing with a senior team that specialise in D&O. They have experience helping AIM listed and publicly traded companies overcome challenging renewal issues - and access to Nathan Sewell gives you one of the leading market specialists on your team. Helping to ensure a successful D&O insurance outcome.

…that your risk will be properly presented to the right insurers?

Protean Risk take the time to understand your risk; to consider different options; to prepare a compelling presentation; and have individual discussions with senior underwriters that are more likely to have an appetite for your business. It often takes a specialist to see the options, and that is what makes us stand out.

Find out how we can help you

Nathan Sewell

Meet Nathan

Nathan is an insurance entrepreneur; a founder of Protean Risk in 2008 and involved in launching of a number of new insurance underwriting agencies. Before Protean Risk, he spent over 20 years leading financial and executive risk teams at two of the world's largest insurance brokers, where he advised many AIM and publicly traded companies. 

Throughout his distinguished career, he has always enjoyed servicing clients and is well versed in the requirements of working with large and complex organisations. As he has been in the Directors' & Officers' Liability market for more than 30 years he does not just have the technical knowledge and relationships, but experience working in hard market conditions which is proving invaluable.

+44 (0)7801 925692

He is supported by an experienced team


Tristan Sargeaunt, Dip CII Managing Director
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Jonathan Dopson BA Director, Professions / D&O
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Charles Emkes, BA Senior Account Manager
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Get a genuinely fresh perspective of your D&O renewal


Don't start the renewal process too late

Your broker should really be contacting you at least 90 days before renewal and considering the renewal strategy. Starting later could put you at a disadvantage.

Find out your current underwriter’s appetite

You need to understand your current insurer's likely stance. Will they be offering renewal terms? What terms are being applied to business similar to yours (size, sector, risk profile)? What can you expect?

Obtain your renewal terms as early as possible

Many insurers have withdrawn from the market, others are seeking 400% increases or more. Understand what your existing insurers are proposing as early as possible, so that you have time to negotiate and explore other options.

Be prepared for changes to cover and excesses

Many companies are experiencing limitations to their cover and/or larger policy excesses. Employment Practices Liability is one example of an area coming under pressure, with insurers fearful of an avalanche of post-covid claims. 

Excess of loss more challenging and expensive

Many insurers have reduced their capacity and are offering lower indemnity limits. It is normal to top-up your cover with excess of loss insurance and this used to be relatively inexpensive. However, that is not the case now and this is where a specialist broker can make a difference.

Download article: finding opportunites in a challenging D&O market

Case studies

D&O case study: mind the gap
Case study / by Jonathan Dopson
D&O case study: mind the gap

Helping auctioneer fill excess of loss insurance gaps.

D&O case study: hospitality firm
Case study / by
D&O case study: hospitality firm

Even in this difficult market we were able to find a solution for D&O and POSI Read more...

D&O case study: we can't find insurance!
Case study / by Tristan Sargeaunt, Dip CII
D&O case study: we can't find insurance!

How we found D&O cover for medical technology firm that was unable to get insured elsewhere Read more...

D&O case study: eight days to expiry of policy!
Case study / by Nathan Sewell
D&O case study: eight days to expiry of policy!

Helping a data company find insurance, after existing insurer exited this class of insurance. Read more...

Get a genuinely fresh perspective of your D&O renewal

Talk to Nathan