Liability & Financial Lines Insurance Broker
Liability exposures continue to evolve as businesses face increasing regulatory obligations, contractual responsibilities, cyber threats, and litigation risks. A standard liability policy is often insufficient to protect organisations, directors, professionals, and regulated entities against the financial and reputational impact of complex claims.
At Proxy Brokers, we structure Liability & Financial Lines insurance programmes designed to protect businesses operating across Mauritius, Africa, and international markets. Our solutions address management liability, professional exposures, cyber risks, operational liabilities, and specialised financial risks across a wide range of sectors.
Liability Solutions Aligned with Modern Business Risks
Corporate liability extends far beyond bodily injury or property damage. Directors may face personal claims arising from managerial decisions, professionals may be exposed to negligence allegations, and businesses can suffer major financial loss following cyber incidents or contractual disputes.
Our role is to structure liability programmes that reflect the operational realities, governance exposures, and contractual obligations of each client. We review business activities, jurisdictional exposures, regulatory requirements, and risk transfer mechanisms to ensure appropriate protection is in place.
For businesses with international operations or complex supply chains, we also coordinate Liability coverage with Property, Marine, Cyber, and Professional Indemnity programmes to minimise uninsured gaps and overlapping exposures.
Our Liability & Financial Lines Solutions
Directors & Officers Liability (D&O)
Protection for directors, officers, and senior management against claims arising from managerial decisions, governance responsibilities, and alleged wrongful acts.
Professional Indemnity (PI)
Coverage for claims arising from professional negligence, errors, omissions, or breach of professional duty.
Cyber Liability
Protection against cyber attacks, ransomware, data breaches, business interruption, and incident response costs, including forensic investigations and recovery expenses.
Commercial General Liability & Employers Liability
Coverage for third-party bodily injury, property damage, and employer liability exposures arising from business operations.
Trustee Liability
Protection for trustees and pension fund managers against alleged breaches of fiduciary duty and governance failures.
Crime & Bankers Blanket Bond (BBB)
Specialist protection against fraud, employee dishonesty, cybercrime, theft, forgery, and financial institution exposures.
Transactional Risks / Warranty & Indemnity (W&I)
Insurance solutions supporting mergers, acquisitions, investments, and transactional liabilities.
For businesses involved in international trade and logistics, discover our Marine, Transport & Trade insurance solutions.
Claims Support & Coverage Interpretation
Liability claims often involve complex policy interpretation, defence obligations, and legal coordination across multiple parties. We review policy wordings, exclusions, defence provisions, and notification requirements to ensure coverage responds as intended when claims arise.
Our team remains actively involved throughout the claims process to assist clients in navigating insurers, lawyers, forensic specialists, and technical advisors.