The Risk Factor
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The Risk Factor
Here at Risk Factor, we use innovative methods to resolve your insurance needs fairly and concisely. Our mission is for every Risk Factor client to be able to fund a community project with the savings we make for them from our transparent, ethical and innovative insurance & procurement services. We have insurance specialists who analyse your organisation via audits and implement a clear risk management strategy which puts you in control.

We don't shy away from offering advice and are wholly accountable for the results. We believe in a fairer, more ethical insurance serving you, not us. The Risk Factor celebrates Broker of the Year nomination at The Yorkshire Financial Awards. We were over the moon when we won the Broker of the Year Award at this year's Yorkshire Financial. Now that the majority of the country has been in lockdown for a number of weeks, we are starting to.

We are very proud to announce that we are the winners of the Client Care Category at this year's B.
Services
Property developers purchase land on the basis that planning applications are accepted, allowing projects to be completed efficiently.
However, there is always a chance an application is hindered or rejected which can leave you footing a bill which runs into tens or hundreds of thousands of pounds.
Property vendors can rarely obtain the full value of their property at sale without planning granted, or with risks of other issues such as contaminants on brown field sites.
Risk Factor have the answer.
Charities and not-for-profit firms of all sizes make a genuine difference to hundreds, thousands, sometimes millions of people every single day.
Without a supported structure, charities and businesses in the third sector may face countless issues from legislative concerns, issues surrounding liability and disruption to regular business.
Our vision lends itself to your charitable goals, and so protecting your work is just as important to us as it is to you.
Since charities rely on paid staff, volunteers, donations and special events like fundraisers, protection can be difficult and insurance policies must be flexible.
From the cover of physical assets such as the business premises and its furniture and other contents to issues of liability and corporate responsibility, insurance for larger businesses must be all-encompassing.
Without detailed continuity plans in place, a financial loss can continue for weeks, months or longer.
That's why Risk Factor work together with our corporate clients to put in place a policy that can be relied upon time and time again.
Corporate insurance is aimed at mid to large companies whose risks often span across several sectors, and whose responsibilities may impact the sector, the environment and the wider community.
Historically, little attention has been given to internal drainage boards which has resulted in a lack of competition.
In turn, this has signalled inflated costs and a lack of innovation in cover.
The restricted numbers of suppliers also means that The Public Contracts Regulations (2015) have also been difficult to comply with due to this lack of competition, putting your organisation at risk of regulatory breach.
Working in close collaboration with several Internal Drainage Boards (IDBs), we have created a broad and thorough framework competition which is fully compliant with Official Journal of the European Union (OJEU) requirements.
Equipping students with the tools to improve themselves and the world around them, the work education providers should never be understated.
Yet with such a diverse and expansive operation comes latent risks and issues which can very quickly inflate uncontrollably.
Risk Factor's goal is to stabilise these risks, supporting and reinforcing the duty of care you have to your students and the wider community.
Education insurance provides guidance, advice and support for schools, colleges and universities and the risks they may face.
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