This specialist rail consultancy practice with nationwide coverage providing health and safety services had key exclusions in their £5M Employers and Public Liability and Professional Indemnity insurance related to their work. Jobson James Rail investigated the gaps in cover, advised on changing terms and conditions, and secured very competitive terms from specialist rail insurers on the correct basis to protect the company going forward. They compiled a 10-page risk analysis that was signed off. The management were relieved the insurance was now corrected and on the right basis for the company, and have started recommending Jobson James Rail to their customers.

1. RAIL HEALTH AND SAFETY CONSULTANCY
£5M TURNOVER
OVERVIEW
This is a specialist rail consultancy practice with nationwide coverage providing a range of health safety
services such as rail access and possession planning, drafting and auditing of safety management services
along with the provision of safety labour personnel.
We found that their Employers and Public Liability and Professional Indemnity had key exclusions related to
their work and that their broker did not understand what they did. Jobson James Rail investigated the gaps in
cover and gave advice on changing their terms and conditions to reduce/mitigate their liability to protect their
insurance claims experience.
We met with their head office management team to understand the company’s future and how their
insurance was going to need to evolve to insure their changing business. We compiled a 10 page risk
analysis that our client signed off and obtained competing quotations from specialist rail insurers.
The present basis of cover was so badly arranged by the previous broker that a direct comparison was not
appropriate but we secured very competitive terms on the correct basis such that the management were
relieved that the insurance had now been corrected and was on the right basis for the company going forward.
They have been so pleased with us that they have started to recommend us to their customers.
KEY INFORMATION
GAPS IN £5M HAPPY TO
COVER CLOSED TURNOVER RECOMMEND
10-PAGE PROFESSIONAL INDEMNITY
TERMS & CONDITIONSEMPLOYERS LIABILITY
RISK REPORT TO PUBLIC LIABILITY ANALYSED
INSURERS DIRECTOR’S LIABILITY
WWW.JOBSON-JAMES.CO.UK/RAIL