Acurisk Ltd
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Acurisk Ltd
  • Home
  • Sectors
    • Commercial
  • Services
    • Broking
    • Risk Management
  • Work with us

Risk Management

Protecting What Matters, Empowering Your Business.

We offer a wide range of insurance products and risk management solutions designed to meet the unique challenges of modern businesses.

Risk Management

Effective risk management plays a crucial role in securing more competitive insurance quotes by demonstrating to insurers that a business actively mitigates its exposures. By implementing robust risk controls, such as fire protection systems, cyber security protocols, or crisis management plans, our clients reduce the likelihood and severity of claims. Regular risk assessments, compliance with industry best practices, and a strong claims history further signal to underwriters that the business is proactive rather than reactive. Providing insurers with detailed risk management reports, contingency planning, and evidence of staff training improves their confidence in the risk, leading to lower premiums, broader coverage, and better policy terms. Additionally, engaging with insurers through risk engineering surveys and collaborating on risk improvement strategies can further enhance the business’s insurability.

Benefits

Improved Underwriting. Access to deep data insights enhances risk assessment and pricing accuracy.

Reduced Claims Costs. Proactive risk management and predictive analytics help mitigate losses.

Enhanced Client Relationships. Digital tools provide transparency and support collaborative risk management.

Operational Efficiency. Telematics and data insights help clients optimise operations and reduce costs.

Proactive Risk Management. Real-time monitoring enables swift action to prevent losses.

Custom Solutions. Our digital platforms offer personalized insights tailored to each client’s needs.

Our Approach

At Acurisk, we really do understand risk. 


Our team has operated at the 'high end of harm' for decades and know what needs to be be done to identify, manage and review complex risks. 


We are as qualified as you can be in insurance and insurance risk management. You can be confident that we will help you present your business in the best possible light to insurers. This should make you a more attractive proposition with insurers offering competitive premiums.  


Our approach focuses on supporting your staff with our skills and processes. We provide numerous and sector relevant examples of effective risk management as well as real insight as to the consequences, when things go wrong. 


We have a number of partners who offer risk reduction products and subject to your needs we can secure competitive pricing from our approved suppliers. 


Our baseline risk management support for clients is included within our broking commission with an enhanced level of risk management service is available as an optional extra. 

How we can help

Property Risk Reduction

Business Interruption Risk Reduction

Property Risk Reduction

  • Fire Safety & Suppression Systems: Require smoke detectors, sprinklers, and fire doors, especially in high-risk industries. 
  • Security & Theft Prevention: Recommend CCTV, perimeter fencing, and alarm systems to deter break-ins. 
  • Flood Resilience Measures: Encourage flood barriers, drainage improvements, and site selection away from flood-prone areas. 
  • Electrical & Maintenance Checks: Regular inspections reduce fire risks from faulty wiring or machinery.

Fleet Risk Reduction

Business Interruption Risk Reduction

Property Risk Reduction

  • Telematics & AI Analytics: Encourage policyholders to install telematics for monitoring speed, braking, and driver behaviour. 
  • Driver Behaviour Programs: Incentivise safe driving through rewards and penalties based on telematics data. 
  • Dashcams & Incident Reporting: Promote the use of dashcams to provide evidence in claims disputes. 
  • Fatigue & Distraction Prevention: Support policies that include driver rest breaks and mobile phone restrictions.

Business Interruption Risk Reduction

Business Interruption Risk Reduction

Business Interruption Risk Reduction

  •  Business Continuity Planning (BCP): Require policyholders to have documented and tested recovery plans covering IT, supply chains, and operations. 
  • Alternative Site Arrangements: Encourage businesses to identify backup locations for critical operations in case of physical damage. 
  • Cyber & IT Resilience: Promote robust cybersecurity measures, data backups, and cloud redundancy to prevent IT-related disruptions. 
  • Utilities & Infrastructure Protection: Assess exposure to power outages, water supply issues, and other critical infrastructure failures.

Liability Risk Reduction

Accident and Travel Risk Reduction

Business Interruption Risk Reduction

 

  • Risk Engineering Services: Provide policyholders with risk assessments and best practices to reduce incidents. 
  • Loss Prevention Programs: Encourage safety training, cybersecurity measures, and regulatory compliance. 
  • Contractual Risk Transfer: Advise businesses to use indemnity clauses and subcontractor insurance in contracts. 
  • Robust Risk Assessment: Use data analytics, AI, and historical claims data to assess risks accurately. 
  • Policy Wording Clarity: Ensure policies have clear exclusions, conditions, and limits to reduce disputes. 
  • Sector-Specific Underwriting: Tailor policies to specific industries (e.g., construction, retail) to avoid unintended exposures. 
  • Moral Hazard Controls: Implement background checks and claims history reviews to avoid fraudulent claims.

Accident and Travel Risk Reduction

Accident and Travel Risk Reduction

Accident and Travel Risk Reduction

  

  • Travel Safety Training: Encourage businesses to provide employees with travel risk awareness programs, including crime prevention and emergency response. 
  • Medical & Security Assistance Services: Partner with global assistance providers to offer emergency medical evacuation, security support, and real-time travel alerts. 
  • GPS Tracking & Communication Tools: Promote the use of GPS tracking and emergency apps for employees traveling to high-risk areas. 
  • Safe Transport & Accommodation Policies: Advise companies to use vetted transport providers and secure hotels for business travel.

Cyber Risk Reduction

Accident and Travel Risk Reduction

Accident and Travel Risk Reduction

  • Cyber Hygiene Training: Encourage businesses to conduct regular employee training on phishing, password security, and social engineering threats. 
  • Endpoint Detection & Response (EDR): Promote real-time threat monitoring tools to detect and neutralise cyber threats before they escalate. 
  • Regular Security Audits: Recommend penetration testing and vulnerability scans to identify and address weak points. 
  • Incident Response Planning: Require insureds to have tested disaster recovery and business continuity plans in place.

Health & Safety Risk Reduction

Health & Safety Risk Reduction

Health & Safety Risk Reduction

  • Workplace Safety Training: Encourage businesses to provide ongoing training on hazard awareness, equipment handling, and emergency response. 
  • Personal Protective Equipment (PPE) Compliance: Require appropriate PPE for hazardous industries (e.g., construction, manufacturing). 
  • Slips, Trips & Falls Prevention: Promote best practices such as anti-slip flooring, proper lighting, and clear walkways. 
  • Occupational Health & Ergonomics: Advise businesses to implement ergonomic assessments, stress management programs, and regular health checks. 
  • Lone Worker & High-Risk Work Policies: Ensure policyholders have lone worker monitoring and safe procedures for high-risk jobs (e.g., confined spaces, working at height).

Security Risk Reduction

Health & Safety Risk Reduction

Health & Safety Risk Reduction

  • No Damage Penetration Testing: Support businesses understand strengths and weaknesses in security arrangements.  
  • Physical Security Measures: Encourage businesses to install alarms, reinforced doors, bollards, and perimeter fencing. 
  • Access Control & Employee Screening: Require ID badge systems, keycard access, and pre-employment background checks. 
  • Surveillance & Monitoring: Promote the use of CCTV, remote monitoring, and 24/7 security patrols. 
  • Theft & Fraud Prevention Training: Encourage businesses to train employees on fraud, social engineering, and robbery response procedures. 
  • Cash & Valuables Handling Policies: Recommend secure cash transport, safes, and cashless payment solutions to reduce theft exposure.

Fire Risk Reduction

Health & Safety Risk Reduction

Fire Risk Reduction

  • Fire Risk Assessments: Ensure businesses identify and manage identified risks.
  • Fire Detection & Suppression Systems: Require businesses to install smoke detectors, fire alarms, sprinkler systems, and fire extinguishers. 
  • Electrical & Heating System Maintenance: Ensure businesses conduct regular PAT testing and electrical inspections to prevent short circuits. 
  • Flammable Materials Handling: Promote safe storage and disposal of combustible materials, chemicals, and fuels. 
  • Fire Safety Training & Drills: Encourage businesses to provide regular fire safety training and emergency evacuation drills. 
  • Fire Doors & Compartmentation: Advise on fire-resistant doors, firebreaks, and compartmentalisation to slow fire spread.

Our Audit & Risk Credentials

  • Privacy Policy

 

Acurisk Ltd (FRN 1024352) is an Appointed Representative of Shepherd Compello Ltd (FRN 311810) which is authorised and regulated by the Financial Conduct Authority. Acurisk Ltd is registered in England & Wales number 15797273. Registered Office: TS Partners (Accountants), 9 High Street, wellington, Somerset, TA21 8QT, United Kingdom.  Shepherd Compello Ltd is registered in England & Wales number 04695072.  Registered Office: 88 Leadenhall Street, London EC3A 3BP United Kingdom.

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