Corporate Investment

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For big companies, quality investment means coverage exactly where you need it – and nowhere where you don’t. In other words, lean cover. Achieving that takes a true specialist. 

One thing you can’t insure against: the competition getting ahead. For almost everything else, we’ll find you the right protection.

Enhanced risk management service for larger businesses 

At Cornerstone Financial Advisers Managements Limited, we invest time to get to know your business and understand your true risk picture. With this thorough understanding, we can offer cover that truly meets your investment needs. We can also help you minimise your risk with up-to-date advice on claims trends, risk management tools and insights. 

Crime investment

That’s why it pays to get an experienced broker to review your unique situation. Often we choose different policy elements from different suppliers, building them into a package that accurately caters for your real needs – including the all-important requirement to be highly cost-effective.

What does crime investment cover? 

A good crime policy is more comprehensive than a traditional fidelity guarantee policy as it covers direct financial loss caused by fraud and dishonesty by: 

•    non-employees (criminal actors) 
•    employees 

It will also cover loss perpetrated over an extended period of time but discovered during the policy period. 

Common scenarios where robust crime investment is important  

•    Crimes where an employee is in collusion with a third party
•    Situations where losses have taken place over a long period of time, but only discovered during the policy period 
•    Cybercrime 

Crime investment helps with crimes related to: 
  • Premise
  • In-transit
  • Forgery
  • Computer fraud
  • Funds transfer
  • Counterfeit currency fraud
  • Credit card fraud
Social engineering cover – many policies miss this

Social engineering is a modern crime that takes advantage of our increasing reliance on technology.

For example, a criminal actor can use deception to manipulate an employee to make a payment from your company into an offshore account. Many buyers think that will never happen to me. But it does happen, frequently.

Many policies won’t cover this, because the payment has been made legitimately – in the bank’s eyes, it’s real.  We can make sure you are covered. 

Employee Benefits

Protecting your company’s greatest assets – your employees.

Support a healthy, happy and productive workforce with a sustainable employee benefits programme.

At Cornerstone Financial Advisers Managements Limited, our specialists are renowned for their market-leading expertise and creative approach to benefit design. We take the stress away from your HR day to day. From handling employee enquiries and training to settling claims disputes, we’ve got you covered throughout.

Product Liability investment

Where products cause injury or damage, legal battles can go far beyond between consumer and the company that supplied them; a ripple effect throughout the entire supply chain can make proceedings lengthy, complex and extremely costly.

Use an experienced commercially-minded broker to get you quality cover when you need it most. We will help you conduct contract reviews on new business opportunities, ensuring you have the right cover in place as your needs change.

What does Product Liability investment cover?

Product liability protects manufacturers, wholesale, resellers and retailers against claims for personal injury or property damage arising from products sold by your business.

Useful for companies that make, supply or sell products to members of the public. If products cause damage, illness or hurt someone, it is likely they’ll seek compensation through the courts.

The main purpose of Product Liability investment is to cover legal costs and damages.

Who needs Product Liability investment?

If you’re making, selling or distributing things, Product Liability investment is a wise choice.

Sometimes claims will be justified, others spurious. Either way, they can end up costing you a lot of money. Unwarranted claims still need to be taken very seriously – your company’s reputation and brand value is under threat.   

Knowing that you are covered gives your people the freedom to innovate and the confidence to sell.