International & Specialty Risk
Some risks do not fit neatly into standard products. Novo supports conversations around complex, high-value and cross-border exposures that may require specialist underwriting and tailored placement structures.
Complex risks beyond standard placementsWhen standard insurance is not enough.
Specialty risks often need deeper exposure data, manuscript wording, layered limits or access to specialist underwriting markets. The work begins with understanding the risk in detail.
Cross-border exposures
Consider multinational operations, overseas assets, transit, contracts and jurisdictional differences.
Specialist underwriting
Certain risks need markets with specific technical appetite and expertise.
Tailored structures
Limits, deductibles, layers and wording may be customised around the exposure.
Detailed risk data
Good placement depends on clear exposure information, loss history and risk controls.
Specialty can span multiple risk classes.
The exact market and structure depend on the insured exposure and jurisdiction.
International Programmes
Coordinated insurance needs across multiple territories or entities.
Cyber & Technology
Complex cyber, technology E&O and data-related exposures.
Directors & Officers
Management liability risks with evolving regulatory and litigation exposures.
Construction & Infrastructure
Large or complex project risks requiring technical underwriting.
Marine & Energy
Specialised cargo, hull, offshore or energy-related exposures where applicable.
Special Situations
Non-standard risks that require bespoke underwriting dialogue and structure.
Better information leads to better underwriting conversations.
Specialty placement quality often depends on the quality of the risk submission.
Exposure mapping
Define assets, activities, geographies and contractual responsibilities clearly.
Loss history
Present historical claims and corrective actions in context.
Risk controls
Document governance, safety, cyber or operational controls relevant to the risk.
Valuation & limits
Support requested limits with appropriate exposure and valuation data.
Jurisdiction
Consider local insurance requirements and cross-border programme structure.
Wording review
Focus on definitions, exclusions, conditions and endorsements before binding.
Understand the protection before you commit.
Insurance decisions are easier when the purpose, trade-offs, exclusions, terms and servicing process are clear.
Requirement
Clarify who or what needs protection and what cover is already in place.
Options
Identify relevant policy structures and insurer options worth comparing.
Terms
Focus on limits, exclusions, deductibles, waiting periods and policy wording.
Support
Stay connected for servicing and claims-related coordination after placement.
Discuss a complex or specialty exposure
Share the business context, geography, risk class and indicative limit so we can route the enquiry appropriately.
Discuss a complex or specialty exposure
Share a few details and the relevant Novo team will contact you.