Can you be sure...

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

In the past couple of years the market has proven to be more challenging, It is crucial to use a broker that has the D&O 'open market' knowledge and relationships to make a difference. Protean D&O specialists have always used the ‘open market’ and can offer the right fit for each client.

...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 a track record overcoming difficult renewal issues and the experience to help publicly listed companies navigate the market and secure a successful renewal 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

Charlie Emkes

Meet Charlie

Charlie has specialised in D&O throughout his career which has spanned more than 10 years. He's worked in the US and UK, and provided specialist D&O consulting and placement services to firms ranging from entrepreneurial start-ups to some of the largest publicly traded global companies.

Having specialised in D&O for so long it's perhaps not surprising that he has extensive knowledge of the market, the different insurers, their risk appetites and policy wordings. The experience and market relationships that are proving invaluable in the current challenging market - using intelligence and ingenuity to deliver distinctive and, on occasions, unique solutions. it's this passion that is at the heart of Protean Risk's client proposition and which helps us stand out.

+44 (0)20 3763 5376

He is supported by an experienced team


Jonathan Dopson BA Director, Professions / D&O
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Frankie Fox Business Development Executive
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Tristan Sargeaunt, Dip CII Managing Director
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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 businesses similar to yours (size, sector, risk profile)? What can you expect?

Obtain your renewal terms as early as possible

You want to make sure you have time to negotiate and explore other options. Wth access to emerging new 'A' rated capacity our D&O specialists can help you stay ahead of the market conditions.

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 with access to new and innovative solutions can make a difference.

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
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 Charlie