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About Indemnity: Specialists In Risk Transfer Solutions
We can help you understand, quantify, and proactively manage your risk in an increasingly litigious and complex world. Our approach combines data driven insights with human expertise to identify exposures and coverage gaps that automated platforms often overlook.
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Access To Leading Insurers in the London Market
Our Mission: Human Intelligence in a Digital World
From board level risk advisory to hands-on claims advocacy, we stand beside our clients throughout the entire policy term. When a claim arises, we challenge insurers where necessary, negotiate outcomes, and ensure that policies respond as intended
Our Standards
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In a rapidly evolving regulatory environment, trust is built on transparency, accountability, and fairness. We are fully aligned with the principles of the FCA Consumer Duty, embedding its core objective into everything we do. Delivering good outcomes for our clients and actively avoiding foreseeable harm.
This commitment shapes how we design insurance programmes, select insurer partners, communicate risk, and support clients at the point of claim. We provide clear, jargon-free advice, transparent remuneration structures, and a proactive approach to identifying gaps or weaknesses before they become issues.
Our mission is simple - to ensure every client receives not only appropriate and competitive cover, but we demonstrable value and protection aligned with real business risks.
Pushing Boundaries
Insurance, at its most basic level, is often seen as a transaction. A policy purchased and a certificate issued. But true value lies far beyond placement, but in ensuring the coverage performs when it matters most.
At Indemnity, we are a tech-focused broker and have sought to reduce the frictional costs and pass those savings on to our clients. We don’t charge any fees for our advisory services, allowing us to fully understand your business activities and present solutions that are tailored to your specific requirements.
Understanding your Risks
Effective broker advocacy begins with a thorough understanding of your business activities and potential risk exposures. Every mid-market and scaling business faces unique risks depending on factors such as:
- The types of the products/services provided
- Contractual requirements
- Geographic operations and jurisdictions
- Regulatory requirements
- Size, turnover, and company structure
By understanding your risk profile, we are able to present your risk effectively to insurers and negotiate more suitable solutions.
Chartered Broker Status
We are proud to have achieved “Chartered Status” which demonstrates our team’s advanced qualifications, continuous professional development and commitment to high standards. Our clients can trust that advice is provided with integrity, transparency, and in their best interests.
We are a customer centric company that aims to:
- raise the professional standards within the industry;
- promote transparency and open communication;
- work together in the best interests of our clients;
- act with integrity and honesty; and
- operate with due care, skill and diligence.
Our Business: Accountable, Professional, and Accessible
“Our responsibility extends far beyond arranging insurance. We are custodians of our clients’ trust, and that demands integrity, transparency, and unwavering accountability. In an industry often perceived as transactional, we have built our business on long term relationships and principled advice.
Every recommendation we make is guided by a single question: is this in the client’s best interest?
We believe in being accessible, responsive, and accountable at every stage, particularly when our clients need us most. Our role is not only to protect businesses, but to provide clarity and confidence in uncertain times.”
Simon Taylor ACII (Executive Director)
FCA Regulated
We are authorised and regulated by the Financial Conduct Authority because arranging insurance is a regulated financial service in the UK. This means we must meet FCA standards for professional conduct, fair customer treatment, financial stability, transparency, client money handling, and regulatory reporting.
For our clients, FCA regulation provides reassurance that we operate within a supervised framework, are accountable for the advice and service we provide, and must act in accordance with rules designed to deliver fair value and appropriate customer outcomes.
Financial Ombudsman Service
We operate within a complaints framework that gives eligible customers access to the Financial Ombudsman Service. This means that if a complaint cannot be resolved directly through our internal complaints process, qualifying complainants may be able to refer the matter to the FOS for an independent and impartial review.
This provides an additional layer of protection and accountability, helping ensure that complaints are handled fairly, transparently, and in line with regulated financial services standards.
Willis / WTW Network
Indemnity is a member of Willis / WTW Networks, which enables us to benefit from the expertise, relationships and global resources. Willis provides data-driven, insight-led solutions in the areas of people, risk and capital. Willis / WTW Networks is made up of a select group of independent insurance brokers around the UK who are committed to providing the highest standards of service, professionalism and dedication to meet their client’s individual needs.
Our Credentials
Our Service Standards
Our Story: Built on Expertise, Driven by Purpose
Indemnity was founded in 2018 with a clear vision to redefine what clients should expect from an insurance broker in an increasingly complex and digital-first world. Recognising that many businesses were underserved by transactional, one-size-fits-all insurance solutions, we set out to build a firm grounded in technical expertise, transparency, and client advocacy.
From the outset, our focus has been on delivering intelligent, tailored risk advice that goes beyond simply arranging cover. Operating from the heart of London’s insurance market, we combine direct access to leading insurers and the Lloyd’s market with a modern, client-centric approach. This enables us to structure bespoke commercial insurance programmes for businesses ranging from ambitious SMEs, high growth companies, to corporates and public companies.
Consumer Duty
As the business has grown, so too has our commitment to raising standards. We have embedded principles aligned with regulatory expectations such as Consumer Duty, ensuring that fair value, clarity, and client outcomes sit at the centre of every decision we make.
Today, Indemnity is trusted not just as a broker, but as a strategic risk partner, supporting clients through every stage of their journey, from initial placement to claims resolution. To find out more read our customer testimonal page.
The Indemnity Framework: How We Opperate
We act as an independent voice for our clients, translating complex policy language, presenting coverage with precision, and applying market knowledge to influence outcomes.
We design bespoke, sector specific risk transfer programs, from Professional Indemnity insurance, to Cyber insurance frameworks, and corporate D&O insurance.
As a specialist insurance broker we readily engage directly with underwriters, loss adjusters, and legal representatives to ensure that our clients’ interests are robustly defended. This advocacy not only improves claim outcomes but also reinforces confidence that the cover arranged will perform as expected.
London Market Access
Operating from London allows our team of insurance brokers to work closely with some of the most flexible and reliable insurers in the market. With Lloyds of London still the insurance hub for the UK and Europe, our close partnerships allow our customers the ability to obtain favorable terms.
Depending upon your risk profile and your demands and needs, we may approach composite insurers, managing general agents, and Lloyd’s of London syndicates. With London EC3 market access means we can find solutions for complex or ‘hard to place'risks that may not be available through other channels.
‘Fair Value’ Framework
Our Fair Value framework assesses insurers across multiple dimensions, including financial strength, claims performance, coverage breadth, and long-term reliability. We continuously monitor our panel to ensure that every insurer we recommend meets the highest standards of financial security and service.
This approach ensures that our clients are not only competitively priced, but also supported by insurers with a proven track record of paying claims and delivering on their promises.
Claims Advocacy
Our claims advocacy delivers value by ensuring that, if a loss under the policy is disputed by the insurer, our clients are not left navigating the process alone. We conduct a detailed review of the insurer’s decision against the policy wording, endorsements, and the factual circumstances of the loss to determine whether the declinature is justified. Where discrepancies or unfair interpretations are identified, we will challenge the insurer directly, presenting arguments and supporting evidence to reopen discussions.
Corporate Responsibility: Insurance as a Force for Good
Community & Social Impact
We believe that responsible business extends beyond our clients. Our firm is actively engaged in supporting local communities across the UK through charitable partnerships, volunteering initiatives, and community focused programmes. Whether contributing to local causes, supporting education and skills development, or participating in fundraising efforts, we aim to make a meaningful and lasting impact.
By embedding social responsibility into our culture, we ensure that our work not only protects businesses, but also contributes positively to the communities in which we operate.
ESG & Sustainable Risk Management
As the global economy transitions toward sustainability, businesses face new risks and responsibilities. We support our clients in navigating this shift through specialist advisory in Green-Tech insurance and ESG focused Directors & Officers (D&O) coverage.
From renewable energy projects to climate-related disclosures and governance risks, we help businesses build resilience while aligning with environmental and social objectives. Our approach recognises that sustainable risk management is not just a regulatory requirement, it is a strategic imperative.
Leadership Biography
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Advocacy Mandate:
"I’m committed to the 'Fair Value' of every policy we place, ensuring that our technical advisory and claims advocacy deliver the operational resilience our clients’ boards demand."
Indemnity Company Policies & Guides
Frequently Asked Questions
What does ‘indemnity’ mean?
Indemnity is the promise that if you suffer a loss or damage, someone will compensate you and seek to put you back into the same financial position you were before the loss or damage occurred.
The term is commonly used in insurance and legal agreements. It involves one party agreeing to cover the financial consequences of certain risks.
What is an example of indemnity?
For example, if a client alleges that your professional advice caused them financial loss, Professional Indemnity Insurance can indemnify your business by covering legal defence costs, settlements, or damages, subject to the policy wording.
What are indemnities under contract?
Indemnities under contract are promises by one party to compensate another for specified losses, claims, liabilities, costs, or damages. They are commonly used to transfer risk for issues such as intellectual property infringement, confidentiality breaches, data protection failures, subcontractor acts, injury, property damage, or third-party claims.
From an insurance perspective, indemnities should be reviewed carefully because they can create liabilities that may be broader than the cover provided by Professional Indemnity, Public Liability, Cyber, or Management Liability policies.
In simple terms, an indemnity is a contractual risk transfer mechanism. It decides who pays if a particular type of loss happens.