Coverage
Protect your growth
Risk is inevitable, but unmanaged risk is avoidable.
Whether it’s protecting your leadership team from disputes, safeguarding your digital assets from cyber threats, or preserving your intellectual property and reputation, a well-crafted strategy is your first line of defense. Our approach integrates innovative insurance products with expert advice to ensure you have the right coverage exactly when you need it.
Every company’s journey is different, and your risk management plan should reflect that. With Bright Insurance, you get a partner who helps you navigate complexity, reduce uncertainty, and secure confidence, so you can focus on what matters most: growing your business.
COVERAGE OPTIONS
Core Coverage
These coverages form the foundation of any risk management program.
Business Interruption
Provides financial support to cover lost income and operating expenses if your business experiences a disruption due to a covered event, such as a fire, natural disaster, or significant equipment failure. This ensures your business can recover without compromising long-term stability.
Commercial Property
Protects your business's physical assets, including office spaces, equipment, inventory, and furniture, from risks like fire, theft, vandalism, and natural disasters. This coverage is essential for maintaining operations after a loss.
Cyber Liability
Provides financial support to cover lost income and operating expenses if your business experiences a disruption due to a covered event, such as a fire, natural disaster, or significant equipment failure. This ensures your business can recover without compromising long-term stability.
Directors & Officers (D&O)
Shareholders, competitors, and investors can sue a company and its directors, putting their personal assets at stake. This policy shields company executives from personal liability arising from decisions made while managing the business.
Employment Practices Liability
Protects against claims made by employees, former employees, or even job applicants alleging workplace-related issues. These claims may include wrongful termination, discrimination, bullying and harassment, retaliation, breach of contract, or failure to promote.
General / Public Liability
Covers third-party claims for bodily injury, property damage, or personal injury caused by your business operations, products, or services. It’s a foundational policy for businesses of all sizes.
Industrial Special Risks (ISR)
A broad and tailored policy designed for medium to large businesses with high-value assets. It provides coverage for property damage, business interruption, and a wide range of risks under a single policy, offering greater flexibility and protection.
Products Liability
Protects your business from claims related to defective products that cause injury, property damage, or financial loss. This is essential for companies manufacturing, distributing, or selling physical products.
Professional Indemnity (E&O)
Provides coverage for claims of negligence, errors, or omissions in your professional services. This policy is critical for service-based businesses where mistakes or unmet expectations can lead to costly legal disputes.
Workers Compensation / Work Cover
Covers medical expenses and lost wages for employees injured or made ill while on the job. This policy is mandatory in most jurisdictions and ensures compliance while protecting your workforce.
Engineer your risk management strategy
Building a resilient business starts with a clear, tailored risk management strategy.
At Bright Insurance, we work closely with you to identify the unique risks your company faces at every stage - from formation through to growth and beyond.
By understanding your challenges and priorities, we engineer solutions that protect your vision and empower your growth.
COVERAGE OPTIONS
Specialised
Coverage
We offer a range of specialised coverages
to suit your specific risk management needs.
Corporate Travel
Protects employees on domestic and international business trips, covering medical emergencies, trip cancellations, lost luggage, and travel disruptions. It helps to minimise risks associated with business travel and allows teams to focus on their work.
Intellectual Property (IP) Insurance
Protects businesses against claims of intellectual property infringement and covers legal costs to enforce or defend your IP rights. This policy is especially vital for innovation-driven companies in tech, life sciences, or creative industries.
Investment Management Insurance (IMI)
IMI is designed to protect investment managers, advisers, and financial institutions from the unique risks they face while managing assets and providing investment advice. This policy is essential for businesses in asset management, hedge funds, private equity, and venture capital.
IPO Prospectus Liability
Tailored to companies preparing to go public, this policy protects against liabilities during the IPO process, including claims related to prospectus misrepresentation or compliance issues. It safeguards the company and its leadership during this transformative stage.
Marine Transit & Cargo
Protects businesses for the financial risks associated with the loss, damage, or delay of goods while in transit, whether by sea, air, road, or rail. This policy is critical for businesses that import, export, or rely on the movement of goods across domestic or international borders.
Media Liability
Provides coverage for legal claims arising from intellectual property violations, defamation, and other content-related issues. This policy is essential for businesses and professionals in the media, entertainment, and publishing industries and the creation, distribution, and broadcasting of content.
Trade Credit
Protects your business from losses caused by customers failing to pay invoices due to insolvency or default. This coverage ensures cash flow stability and provides peace of mind when working with new or international clients.
Transactional (M&A) Liability
Includes products like Representations & Warranties Insurance, providing protection during mergers, acquisitions, or other business transactions. This coverage ensures smooth deals by addressing liabilities discovered after closing.
Umbrella Insurance
Provides an additional layer of protection that extends the limits of your standard policies, such as General Liability, Professional Indemnity etc, to help protect your company’s assets and long-term stability in the face of high-cost liability events.
Venture Capital Liability
Specifically designed for venture-backed companies, this policy protects against liabilities tied to venture capital transactions, investor relationships, and disputes. It’s essential for start-ups navigating the complexities of funding rounds.