Specialty Risks

Specialty Risks

RKH is a modern, 

forward thinking 

company that has 

traditional standards 

and values at the very 

core of its success.

About the 

RKH Group 

R K Harrison Group Limited, with 

its four subsidiaries, is a leading 

independent insurance and 

reinsurance broker, specialising in 

providing bespoke solutions to 

businesses, insurance brokers, trade 

associations and private individuals, 

both in the UK and internationally. 

The company remains privately owned by its 

senior professionals who are committed to 

building the business as the independent broker 

of choice across a broad range of specialist 

disciplines. 

As well as offering cover for Specialty Risks, the 

RKH Group provides global insurance solutions 

in the following areas: 

• Casualty 

• Commercial/Corporate 

• Construction 

• Energy 

• Executive & Professional Liability 

• Farms & Estates 

• Marine 

• Motor 

• Political Risks 

• Private Client 

• Professional Risks 

• Property 

• Fine Art & Jewellery 

• Specialty Reinsurance 

• Sports and Entertainment 

• Trade Associations 

• Treaty Reinsurance 

• Trade Credit & Bonds

Specialty 

Risks 

We are uniquely placed to have 

market buying power but still small 

enough to have flexibility and care. 

We find solutions and provide valuefor-money 

policies after taking the 

time to fully understand our clients’ 

expectations from their insurance. 

We are 100% employee-owned and 

therefore our clients matter to our 

staff. In each product line we are 

involved in, the teams are best of 

breed. Whilst we are predominantly 

based in the UK, we also have 

worldwide reach acting on behalf of 

our clients on a global basis. 

Planning campaigns and events is fraught with 

uncertainty. RKH’s Specialty Risks team can create 

insurance solutions that reduce uncertainty, 

enabling you to focus on your business. 

The team is led by Paul Chapman and Brian 

Freeman, who together have over 50 years of 

experience in creating insurance solutions that 

specifically address the contingency risks faced 

by businesses. 

We have placed event cancellation cover for 

some of the world’s most high profile cultural 

and sporting events, such as the Paralympics 

and the Jubilee celebrations, as well as the prize 

indemnity insurance for a number of recognised 

FMCG brands. 

Drawing on our extensive experience and 

relationships in Lloyd’s of London and the 

company markets, we create insurance solutions 

that support our clients’ business plans and help 

protect their financial exposure.

Overview 

The Specialty Risks team offers insurance 

solutions for a comprehensive range of 

contingency exposures and has extensive 

knowledge in handling embedded credit card 

insurance. Our aim is to provide clear, concise 

guidance in the placement of specialty risks 

insurance. 

Our approach is friendly and professional 

We find solutions to even the most unusual 

risks and use plain English to cut through the 

insurance jargon. 

Services 

We offer complete insurance solutions for: 

• Over Redemption 

• Prize indemnity 

• Lottery insurance 

• Event cancellation and liability 

• Non appearance 

• Contingent terrorism 

• Credit card enhancements 

• Travel insurance 

We are innovators 

We regularly create products for clients that 

previously did not exist in the market instead of 

offering “off-the-shelf” products that may not be 

fit-for-purpose.

Claims 

Claims happen – how do we look after you? 

The main reasons for claim disputes are misrepresentation and non-disclosure of 

information. We work with you to help ensure your policy responds to your needs. 

Last year RKH Group facilitated 

a total settlement of nearly 

£600m of claims for our clients. 

We understand the need for a fair and rapid claims service. 

Through strong relationships with our markets we aim to 

provide a smooth and trouble-free process. 

We have a dedicated and fully integrated claims team that 

endeavours to ensure all claims are handled in a professional, 

confidential and efficient manner. 

Because we only work with insurers with a reputation for 

a good claims service, all claims are handled with equal 

importance and urgency.

Prize 

Indemnity 

Insurance 

Larger prizes can make your 

competition appeal to a wider 

audience, and increase the impact 

of your promotion, but how can you 

fund the headline-grabbing jackpot 

you’d like to offer? 

Whether it’s something as large 

as a lottery, or as specialised as an 

on-pack instant win, R K Harrison 

Insurance Services can tailor prize 

indemnity insurance that will free 

you to be more creative with your 

competition and keep to your 

budget.

Prize Indemnity Insurance 

Prize indemnity insurance gives you the opportunity to offer 

large prizes against relatively low costs, whilst gaining maximum 

promotional coverage. 

A few examples of this are: 

Lotteries 

By putting part of the ‘provision of prizes’ element of your ticket cost towards a prize indemnity policy, you can 

offer a large, fixed jackpot without worrying that you won’t have the ticket sales to support it. A larger jackpot 

usually means more participants. 

Probability or chance-based competitions 

Offering large prizes for ‘Dice-Roll’, ‘Safe-Crack’ and ‘Number-Match’ type competitions can be an exciting way to 

engage audiences at live events. RKH Insurance Services’s expertise in this field means we can create a concept 

or adapt a brief that works for you and your budget. 

Sporting challenges 

Hole-in-one competitions, basketball shots, ‘kick for cash’ at football and rugby – RKH can tailor a policy that 

allows you to offer exciting prizes at your event. 

Promotional campaigns 

Prize indemnity insurance can also support a multitude of promotional campaigns by providing coverage for 

high level prizes that are offered amongst lower level prizes, whatever the mechanism is for winning. 

R K Harrison Insurance Services Limited 

One Whittington Avenue, London EC3V 1LE 

T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 

E specialtyrisks@rkhis.com 

www.rkhgroup.com 

An R K Harrison Group Company 

R K Harrison Insurance Services Limited (RKHIS) is an appointed representative of R K Harrison Group Limited, which is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. RKHIS is registered in England No. 

6719831. Registered Office: One Whittington Avenue, London EC3V 1LE. Calls may be monitored and recorded for quality assurance purposes.04/13 Ref: 1042

Over 

Redemption 

Insurance 

try me free 

‘Try me free!’ 

An attractive promotion guaranteed to move products off shelf and uplift sales, 

but what would you do if more people redeem than you expect? What if 10% 

redeemed? Or even 30%? This could far exceed your marketing budget, and 

potentially damage your brand if you fail to live up to the public’s expectations.

Over Redemption Insurance 

Over redemption insurance, sourced from the Lloyd’s and Company markets, can protect 

marketing budgets in the event a promotion is more successful than anticipated. 

There are two ways to look at over redemption insurance: 

1. A policy providing cover in excess of an agreed level 

2. A policy providing cover from the ground up to an agreed level 

The coverage can be tailored to your campaign’s budgetary requirements, giving you control 

over your finances and protection of your brand. 

Over redemption insurance can be used for all kinds of promotional campaigns, including: 

• Gift with purchase 

• On-pack collectors 

• Coupons 

• Try-me-frees, money-back-guarantees and challenges 

• Click 2 wins 

• Text 2 wins 

• Cash backs 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Non-appearance 

Insurance 

Wide coverage for cancellation, 

abandonment and non-appearance, 

this is one of the broadest covers 

available for events.

Non-Appearance Insurance 

Insurers can help protect you for financial losses due to an 

event being cancelled, postponed, relocated, interrupted 

or abandoned. 

There are various reasons why events get cancelled, including the non-appearance of a specific 

individual or group us a good example. By sourcing an insurance policy through RKH, we can 

help protect you against any financial losses incurred due to the non-appearance of a specific 

person or persons due to a cause that is beyond the control of you and that person or persons. 

Non-appearance insurance protects those with a financial interest in the appearance of 

any key person or persons at an event, including performers, public speakers, artists and 

sportsmen. 

Cover can include protection for your costs and expenses incurred or loss of profit or gross 

revenue following the non appearance of the key person/s due to unforeseen circumstances. 

These can include: 

• Adverse weather 

• Death 

• Injury 

• Illness 

• Unavoidable travel delays 

• Venue damage 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Measured 

Weather 

Insurance 

It’s not just for 

Christmas. 

Promotions around White 

Christmas are common 

enough, but there are 

countless other promotions 

and uses for measured 

weather insurance such as 

• record snowfall 

• record temperature 

• cash back offers for items 

such as winter tyres and air 

conditioning units

Measured Weather Insurance 

Measured weather insurance gives you the ability to run a 

promotion where the headline prize is enormous and yet 

the cost to you is relatively low. 

Due to the fact that the reward is only awarded if specific weather occurs, headline prizes 

can be enticing, for example, ‘if it snows on Christmas day you get your furniture for free’. This 

creates excitement around a product without costing you a substantial amount of money – 

this type of high value reward can be offered for a relatively low premium, and the cost of the 

promotion can be tailored to meet almost any budget. 

RKH Insurance Services has an in-depth knowledge of this type of risk, so we can offer advice 

on promotions to help you to stay within budget. 

Examples of ways to use measured weather insurance: 

• A car dealership in Canada offered first year payments for free if it snows more than three 

inches on a specific date, as measured at a designated weather station. 

• An air conditioners manufacturer offered cash back if temperatures during the summer 

didn’t reach a specific level. 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Cancellation 

Insurance 

Earlier on today, apparently, 

a woman rang the BBC and 

said she heard there was a 

hurricane on the way... well, if 

you’re watching, don’t worry, 

there isn’t! 

Michael Fish 

15 October 1987

Cancellation Insurance 

Planning an event can be unpredictable. After large 

amounts of money are spent in planning, organising, 

marketing and operating events such as concerts, 

marathons and music festivals, companies still risk losing 

their investment if the event is cancelled. 

When you are planning any kind of event, cancellation insurance protects your budget if the 

event is cancelled or abandoned due to any cause outside of your control, such elements as 

adverse weather, strikes and damage to equipment. 

RKH Insurance Services has the experience placing this type of cover to ensure a policy is in 

place before an event starts, to protect against most eventualities beyond your control. 

Event cancellation insurance can be used for: 

• Concerts 

• Exhibitions 

• Festivals 

• Trade shows 

• Agricultural shows 

• Sporting events 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Production 

Insurance 

Lights, Camera, Action? 

Successful films, television 

programmes and commercials 

are big financial investments that 

are the product of a complex 

process involving a substantial 

amount of time, the efforts of 

many individuals and the use of 

high-tech equipment. Problems 

in any of these areas at any 

stage of production could lead 

to a delay or cancellation and 

significant financial loss.

Production Insurance 

R K Harrison Insurance Services can produce an insurance 

solution that is tailored to your production’s precise 

specifications and exposures, and will mitigate the potential 

financial losses to investors. 

Film, TV & Advertising 

Additional costs incurred for unforeseen and fortuitous interruption of filming during: 

• Pre-production 

• Principal photography 

• Post-production 

Key Considerations 

• Cast: death, accident or illness to key cast members 

• Negative / digital: Faulty camera, stock or processing 

• Extra expense: Physical loss or damage to key props, sets or wardrobe, studio 

or location 

• Employers liability: the film crew 

• Public liability 

Limit of Indemnity 

• Above the line costs: story, script, music, principal artists, director and cinematographer 

• Below the line costs: Actual costs to shoot the movie including crew, location, catering, 

equipment hire and day-to-day shooting costs 

• Post production costs : editing, special effects, computer generated imagery 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Specialty Risks 

Contacts

Meet the 

team 

New Business & Business Development 

Brian Freeman 

Divisional Director 

T: +44 (0)20 7456 8021 

M: +44 (0)7970 068749 

E: brian.freeman@rkhis.com 

Rachel Sim 

Development Executive 

T: +44 (0)20 3435 6271 

M: +44 (0)7538 353 809 

E: rachel.sim@rkhis.com 

Lewis Hughes 

Account Handler 

T: +44 (0)20 3435 6327 

M: +44 (0)7947 583 360 

E: lewis.hughes@rkhis.com 

London 

Yvonne Marriott 

Account Executive 

T: +44 (0)20 7456 8022 

E: yvonne.marriott@rkhis.com 

Claims 

Felix Eastcott 

Claims Technician / Broker 

T: +44 (0)20 7426 5201 

E: felix.eastcott@rkhis.com 

Technical 

Joe Bonaccorso 

Technical Manager 

T: +44 (0)20 7456 9329 

E: joe.bonaccorso@rkhis.com 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 






Our objective is to build the 

UK's leading privately-owned 

independent broking business. 

Paul Bridgwater 

CEO, R K Harrison Group Limited

RKH Group Key Facts 

Key facts 

700+ 

staff across the 

group 

fifth 

largest producer of 

direct premium to 

Lloyd's 

ten 1882 

locations in the UK & 

internationally 

year R K Harrison was 

founded 

Group revenue growth 

Year ending 30 June 2013 

£115m 

a decade of 

year-on-year 

growth 

04 05 06 07 08 09 10 11 12 13 

Holdings company financials 

Group companies 

Specialist expertise across three 

broking subsidiaries. 

UK RETAIL INTERNATIONAL SPECIALTY LINES REINSURANCE 

Commercial 

• Affinity Schemes 

• Contingency & Specialty Risks 

• Corporate 

• UK Trade Credit & Bonds 

• Professional Risks 

• Real Estate 

Private Wealth 

• Aviation 

• Farms & Estates 

• Fine Art 

• High Performance Motor 

• Private Client 

• Sports & Entertainment 

Bowood 

• Delegated Authority 

RKH Financial Risks 

• Political Risks & Structured 

Credit 

• International Trade Credit 

RKH Marine & Energy 

• Energy (onshore, offshore, 

liability) 

• Marine 

• Construction 

RKH Property & Casualty 

• Accident & Health 

• Casualty 

• Cargo & Stock Throughput 

• Cyber 

• Exec. & Professional Liability 

• Healthcare 

• Programme Business 

• Property 

• Public Entity 

• Specie 

RKH Facultative Reinsurance 

• UK Retro 

• US / European 

• Latin America & Caribbean 

• Terrorism & Political Violence 

RKH Specialty Reinsurance 

Multi-class services for Captive 

Companies, Corporations & Mutuals; 

Insurance & Reinsurance Companies; 

Lloyd’s Syndicates, Groups & 

Associations. 



T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399 








T +44 (0)20 7456 9300 

F +44 (0)20 7456 9399

Specialty Risks

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