Life insurance
Cover for employees, borrowers and individuals, with savings-linked options and annuities.
View life products →Our solutions
General insurance for assets and operations.
Cover options for business assets, transport and specialist risks, including local and international travel.
01
Fire & Special Perils
Protection for buildings and contents against fire and a range of specified perils.
Typically includes
- Buildings, stock and contents
- Damage from fire and listed special perils
- Extensions to related risks, subject to policy terms
Ideal for
Homeowners, landlords, shops, offices and factories.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
02
Burglary & Housebreaking
Cover for loss of or damage to property following theft involving forced entry.
Typically includes
- Stolen or damaged contents and stock
- Damage caused during a break-in
- Suitable for homes, shops and offices
Ideal for
Retailers, offices, warehouses and homeowners.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
03
Motor Insurance
Cover for private and commercial vehicles, from a single family car to a working fleet.
Typically includes
- Third-party liability and own-damage options
- Private and commercial vehicles
- Fleet arrangements for larger operators
Ideal for
Car owners, transporters and fleet operators.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
04
Marine Cargo & Goods-in-Transit
Cover for goods while they move, whether across borders by sea or air, or within the country by road.
Typically includes
- Loss of or damage to goods in transit
- Import, export and domestic movements
- Valuation and conditions set out in the policy
Ideal for
Importers, exporters, traders and distributors.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
05
Property & All Risk
Broad protection for business property against accidental loss or damage, going beyond named perils.
Typically includes
- Wider cover than a named-perils policy
- Business premises, equipment and stock
- Tailored to the way your business operates
Ideal for
Businesses that want broader, simpler protection for their assets.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
06
Electronic Equipment
Cover for computers, servers, medical devices and office electronics against accidental damage and loss.
Typically includes
- Accidental damage to equipment
- Theft and certain other causes of loss
- Suitable for offices, clinics, studios and tech businesses
Ideal for
Offices, clinics, studios and technology businesses.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
07
Contractor & Plant All Risk
Cover for construction works, plant and machinery on site.
Typically includes
- Contract works under construction
- Plant, tools and machinery
- Project-specific terms for the duration of works
Ideal for
Contractors, developers and plant-hire companies.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
08
Oil & Gas and Energy Risks
Specialty energy risks placed through co-broking and reinsurer support.
Typically includes
- Specialty energy placements
- Co-broking with reinsurer support
- Programmes designed around the operation’s exposure
Ideal for
Operators and service companies across the energy sector.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
09
Travel Insurance
Accident and travel cover for local and international journeys.
Typically includes
- Cover for local and international travel
- Benefits depend on the selected plan
- Support while you are away from home
Ideal for
Business travellers, holidaymakers and students.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
10
Media Liability
Cover for claims arising from content errors, intellectual property disputes and defamation.
Typically includes
- Content errors and omissions
- IP and defamation claims
- Designed for people who publish and produce content
Ideal for
Publishers, broadcasters, agencies and content creators.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
11
Cyber & Data Liability
Cover for the financial impact of cyber incidents and data breaches.
Typically includes
- Liability arising from data breaches
- Support for businesses that hold customer data
- Protection that fits digital operations
Ideal for
Any business that holds customer data or relies on digital systems.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
12
Cameras, Production Equipment & Business Property
Cover for the equipment creators and production teams depend on.
Typically includes
- Cameras, lighting, audio and editing gear
- Production equipment and business property
- Protection on location and in the studio
Ideal for
Photographers, studios and production houses.
How HAT helps
We assess the exposure, compare policy wording and terms across the insurer market, place the cover and support you at claim time.
Specialist and digital risks
Cover for modern risks as well as traditional ones.
Alongside property, motor and marine covers, HAT places specialist protection for energy, media, cyber and creator risks, so that growing and digital businesses are not left exposed.
- Property & equipment protection for premises and assets
- Motor, marine and travel cover for people and goods on the move
- Specialist and digital risks, from oil & gas to cyber liability
Cover, limits and exclusions vary by insurer and policy. Your HAT broker will explain the terms before you decide.
Explore more
Other classes of insurance
Health insurance
Local healthcare options and international medical cover for expatriates.
View health products →Coverage options
Browse every product in one place and see what suits each type of client.
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