Business Details
18 Years
experience
Specialist Insurance Brokers for SMEs in the UK
ADF Insurance is an independent insurance brokerage dedicated to delivering tailored solutions and expert guidance to small and medium-sized enterprises. With over four decades of combined experience, our team specialises in navigating complex insurance markets to identify policies that align precisely with client needs. We prioritise face-to-face relationships and maintain partnerships with leading UK insurers and Lloyd's of London, ensuring access to competitive premiums and comprehensive coverage.Our approach combines annual policy reviews with a commitment to transparency, avoiding transactional interactions in favour of long-term client partnerships. By focusing on sectors such as healthcare, technology, and renewables, we provide specialist knowledge that addresses industry-specific risks while maintaining a personal service ethos established since 2008.
Services
Medical Malpractice Insurance
Professional Indemnity Insurance
Employers Liability Insurance
Product Liability Insurance
Cyber Insurance
Marine Cargo Insurance
Clinical Trials Insurance
Medical Devices Insurance
Intellectual Property Insurance
Renewables Insurance
Details
- Year established: 2008
Highlights and features
- 40 years' experience in specialist insurance broking
- Personalised service with dedicated account managers
- Access to full UK insurer market including Lloyd's of London
- Annual policy reviews ensuring market-leading terms
- Face-to-face client relationships over transactional approach
Associations and certifications
- Financial Conduct Authority
What people say
Competitive premiums
Personal service
Specialist expertise
Prompt responses
Tailored solutions
Services
Medical Malpractice Insurance
We provide comprehensive medical malpractice insurance covering negligence claims, breach of confidentiality, and legal defence costs. Our policies protect individual practitioners and corporate healthcare providers, including coverage for NHS framework contracts requiring up to 10m indemnity. Specialist underwriting supports complementary medical practitioners, telemedicine providers, and clinical trial organisations through evolving regulatory landscapes.
Professional Indemnity Insurance
Tailored professional indemnity solutions protect service providers against claims arising from professional negligence or breach of duty. Our coverage extends to legal defence costs, compensation awards, and regulatory investigations across sectors including accountancy, engineering, and legal services. Policies integrate with complementary covers like employers' liability and directors' & officers' liability for holistic risk management.
Product Liability Insurance
Comprehensive product liability protection covers claims arising from defective products causing injury or damage. We arrange high-limit policies for manufacturers and distributors exporting globally, including USA/Canada coverage. Policies accommodate primary and excess layers with flexible terms for emerging risks in medical devices, nutraceuticals, and renewable technologies through specialist insurer partnerships.
Cyber Insurance
Our cyber insurance policies address data breaches, ransomware attacks, and business interruption losses. Coverage includes forensic investigations, regulatory fines, and crisis management support tailored for healthcare providers, fintech firms, and technology companies. We collaborate with cybersecurity experts to implement risk mitigation strategies alongside insurance placement.
Clinical Trials Insurance
Specialist clinical trials insurance protects sponsors and CROs against claims arising from trial-related injuries or protocol deviations. Policies cover multi-jurisdictional trials with extensions for investigational medicinal products and medical devices. We work closely with insurers to structure terms matching complex trial protocols and regulatory requirements across Phase I-IV studies.
People
Andrew Flavell
Managing Director
With nearly 40 years' experience in commercial insurance, Andrew established ADF Insurance in 2008 after senior roles at multinational brokers. He specialises in SME insurance solutions, leveraging industry relationships to secure tailored coverage for clients in healthcare, technology, and renewables sectors.
Ben Jewkes
New Business Development
Ben transitioned to insurance broking in 2017, focusing on new business acquisition. He combines marketing expertise with insurance knowledge to develop client relationships, particularly in healthcare and life sciences sectors, ensuring alignment between client needs and market capabilities.
Rebecca Popadynec
Account Manager
Rebecca manages diverse insurance portfolios including motor fleet and medical malpractice. With seven years' sector experience, she provides technical expertise on clinical trials insurance and marine cargo policies, maintaining client relationships through proactive service delivery.
Chyna Lindsay
Junior Account Handler
Chyna joined ADF in 2023 as a junior account handler, supporting client service delivery. She focuses on administrative excellence and customer service standards, assisting with policy documentation and client communications across multiple insurance lines.
Questions
What specialist insurance sectors do you cover?
We specialise in healthcare, technology, life sciences, and renewable energy insurance, providing tailored solutions for complex risks in these sectors.
How do you ensure competitive premiums?
By maintaining relationships with all major UK insurers and Lloyd's of London, we secure competitive pricing through annual policy reviews and market comparisons.
Can you handle complex insurance requirements?
Our team has expertise in arranging coverage for unique risks including clinical trials, medical devices, and renewable technologies through specialist insurers.
How are claims handled?
We provide dedicated support throughout the claims process, leveraging broker relationships to ensure timely resolution and advocacy for policyholder interests.
Do you offer multi-jurisdictional coverage?
Yes, we arrange policies covering global operations including USA/Canada exports through insurers with international claims handling networks.
How do you maintain service quality?
By limiting client portfolios per broker, we ensure personal accountability and maintain regular face-to-face meetings to understand evolving business needs.
