Declined for Professional Indemnity? We Place the Hard Ones.
A decline from one insurer is not the market's answer. We specialise in hard-to-place PI - occupation declines, claims history, high limits and insurers exiting your profession.
Specialist
Markets
Hard-to-Place
Our Focus
Often Same Day
Quotes
Recognition
THE SHORT ANSWER
A decline from one insurer reflects that insurer's appetite at that moment, not the whole market. We map the specialist underwriters who still write your profession and place hard-to-place professional indemnity - including occupation declines, claims history, high limits and insurers exiting your class of risk.
Many of the risks we place have been declined elsewhere first - a different market often views the same profession, claim or limit very differently.
A decline reflects one insurer's appetite - not the whole market. We map the specialist underwriters who still write your profession and place the risks other insurers stepped back from.
Declined Is Not the End
Many of the risks we place have been declined elsewhere first. A different market often views the same profession, claim or limit very differently.
Act Before Renewal
If your insurer is exiting your class or will not renew, tell us early. The cover usually still exists - it just moves to a specialist market.
WHY TANK INSURANCE
Why declined risks come to us
When the direct market says no, the answer is rarely that the cover does not exist - it is that the risk has been shown to the wrong insurers. We work across a broad panel of specialist underwriting agencies, present the submission the way underwriters need to see it, and compare terms so a decline becomes a placement.
01
Specialist Market Access
Many of the markets that write hard-to-place PI are underwriting agencies you cannot reach directly. We work with them every week.
02
Submission Done Properly
A decline is often a presentation problem. We frame your occupation, activities and history the way an underwriter needs to assess them.
03
Claims & Circumstances
A notified claim or circumstance narrows the field but rarely closes it. We place risks with claims history regularly.
04
Move Before Renewal
If your insurer is withdrawing, we act before the deadline so you are not left with a gap in cover.
WHY IT HAPPENS
Why professional indemnity gets declined
A decline almost always traces back to one of these - and each one is workable with the right specialist market.
POLICY SCOPE
What a placed PI policy covers
Once we place the cover, it is full Professional Indemnity protection - the decline does not change what the policy responds to.
Usually Covered
Not Typically Covered
This is a general guide only. What is and isn't covered depends on the terms, conditions, limits and exclusions of your specific policy.
CASE STUDIES
Declined elsewhere, then placed by us
Real placements from our professional and engineering book - each one declined by one or more insurers before we found the right market.
Premiums and outcomes described are specific to each client and indicative only. Your own terms will depend on your circumstances and the insurer.
QUESTIONS
Declined PI - Frequently Asked Questions
RELATED COVER & GUIDES
Where we place hard-to-place PI
Been declined or non-renewed? Speak with a broker who places hard-to-place PI every week.
Talk to a Specialist Broker →
Declined or Non-Renewed for PI?
Send us the decline and the details. We will map the specialist markets that write your profession and come back with terms - before your deadline.