TLO Risk Services
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TLO Risk Services
TLO Risk Services (TLO) is a privately owned insurance broker. We specialise in helping firms that provide professional advisory services, from accountants and law firms, through to investment agents, surveyors and estate trustees. Professional risks insurance excellence sits at the heart of our proposition. But what our clients truly value is the personal attention they receive from our owner directors.

As a privately owned company, they understand that their success will only be achieved through the delivery of impeccable client service. It's this obsessive focus on putting our clients' interests first that has enabled us to grow, helping us become a Lloyd's Coverholder and the leading provider of Professional Indemnity insurance to Barristers in England and Wales.

From accountants, asset & investment managers and law firms, through to surveyors and trustees. It's what we do, day in, day out. This issue of The Look Out examines in more detail a recent "real-life" Cyber incident, and how preventative measures taken by the law firm in question successfully prevented direct financial loss.
Services
TLO are specialist insurance brokers helping firms that provide professional advisory services.
From accountants and law firms, through to investment agents, surveyors and estate trustees.
It's what we do all day, every day.
Operating from offices in Birmingham and London, we are a Lloyd's Coverholder and the largest broker of professional indemnity insurance for Barristers in England and Wales - where we act for 90 Chambers including 24 of the top 30.
Our depth of professional indemnity insurance experience allows us provide firms of all size with the policy wording, contract and claims support you'd normally associate with a much larger insurance broker.
Our depth of professional indemnity insurance experience allows us provide firms of all size with the policy wording, contract and claims support you'd normally associate with a much larger insurance broker.
Firms that provide professional advice or service can find themselves facing claims for inadequate advice, services or designs that lead to a third party, including clients, suffering a financial loss.
Professional indemnity insurance provides cover for the legal costs and expenses to defend the claim, and pay any compensation to rectify the error.
Directors and officers have specific duties, responsibilities and powers relating to their positions, which are set out in their job description or terms of reference.
If a director or officer is found to have breached these duties they may face civil, criminal or regulatory proceedings.
Directors' and officers' liability insurance (D&O) covers the cost of defending these proceedings, as well as any compensation costs that arise from an unsuccessful defence.
We can negotiate D&O insurance on a standalone basis or as part of a professional risk 'package', combining D&O with professional indemnity insurance.
Crime and Employee Fidelity is suitable for all sizes of business, although SMEs are often particularly at risk as they may lack the security and resources of larger firms.
At TLO Risk Services we combine a deep understanding of the Fidelity/Crime Insurance market with in depth knowledge of the Professional Risk sectors we serve.
Globalisation and technological advances have increased the risk of commercial crime.
Internal employees, external fraudsters and criminals or a combination working together can lead to substantial loss.
Cyber insurance policies can have significant variances in the protection they offer and you may have some insurance under policies such as Professional Indemnity.
As a specialist Professional Risks insurance broker TLO Risk Services can help you navigate the insurance market and blend the different policies dovetail so you do not waste insurance premium.
We take the time to understand your business and the risks you face and the extent of cover currently afforded under your existing insurance programme.
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