The insurance game is a barrel of laughs
I have been told that the insurers set a limit on themselves for the amount of exposure they can afford, once they have sold this, they can then put up prices for anyone else, so it’s good to get in at an early stage, the problem is no one but the insurer knows when the early starts or finishes!
We have used 3 different brokers recently
Contact | Towergate Risk Solutions
they insured us thru another party to be covered ultimately by Aviva and the costs were bearable, but the claim experience here is not good
Construction & Manufacturing Insurance Specialists | M&DH Insurance Services Limited
great brokerage but the available markets offered them higher premiums, claims usual standard
They best insurers we found were Quinn’s, unfortunately their directors fecked off with the money and they have since withdrawn from the EL/PL markets, But the claims experience was the best by a country mile.