Solutions when your risk doesn’t fit the “standard” mould
Some businesses face challenges obtaining insurance under typical policies. Maybe your industry is highly specialised, the risk is unusual, you've had past claims, or insurers deem your exposure outside conventional parameters.
At Network Insurance House, we help businesses like yours arrange insurance cover even when your risk profile is complex or non-standard.
What are non-standard risks?
“Non-standard risks” include situations where standard insurers may decline cover or impose strict conditions. These risks might arise from:
- Unusual or high-hazard operations (e.g. manufacturing with hazardous materials, food processing, waste/recycling)
- Businesses with a history of frequent or severe claims
- High liability exposures (events, entertainment, transport of hazardous goods)
- Non-typical property risks (remote locations, unoccupied properties, unusual construction)
- Emerging industries or innovations where historical loss data is limited
Why partnering with a specialist broker matters
When your business falls into non-standard risk territory, having a broker experienced in this space makes a difference. We bring:
- Deep relationships with specialist insurers and underwriters who have appetite for complex, hard-to-place classes
- Expertise in analysing your specific exposures and developing risk mitigation strategies insurers accept
- Guidance in preparing insurance submissions, disclosures, and documentation to improve your chances of obtaining appropriate cover
- Ongoing support as your business evolves, operations change, or regulatory exposure increases
What types of cover we can help you secure
Depending on your business and the nature of your risk, non-standard insurance solutions may include combinations or modifications of:
- Property & material damage for unusual or high-risk buildings
- Public liability with specialised applications
- Commercial motor for non-standard vehicle fleets or uses
- Business interruption tailored to complex operations
- Professional indemnity for emerging business lines
- Cyber / data breach / privacy liability for high exposure or sensitive data
- Environmental, pollution, OH&S exposure, or regulatory liability cover
What to expect when arranging non-standard insurance
Because non-standard risks require more detailed underwriting, you’ll likely need to provide:
- Clear and full disclosure of past claims, incident history, and exposures
- Evidence of risk mitigation: safety procedures, staff training, maintenance, compliance with regulation
- Details of operations, property construction, usage, location, and any special hazards
- Accurate valuation of assets and operations
We will work with you to gather this information and present it to insurers in a credible way.
How we support you
- We assess your business’s unique exposures and help identify non-standard risks proactively.
- We tap specialised insurer markets that accept more complex or unusual risks.
- We negotiate terms and limits that are appropriate, offering cover that’s workable and fair, not just a last resort.
- We act as your advocate at claims time, managing the process for a fair and timely resolution.
Protect your business when “standard” isn’t enough
If you've had difficulty finding suitable insurance in the past, or your business risk has evolved such that ordinary policies no longer suffice, we can help. Contact us to discuss your non-standard risk insurance needs and explore what tailored protection options are available for your business.
