Our Solutions
Fortiva Insurance provides carefully selected commercial insurance solutions designed to support the continuity and resilience of UK businesses.
Our focus is not on selling products, but on ensuring the right protections are in place to support long-term stability.
Core areas we support
Our solutions are structured around the areas where commercial risk most commonly sits: liability, assets, governance, technology, and operational mobility.
Liability & Professional Risk
Protection addressing legal and contractual liability arising from professional activity, operations, and interaction with third parties.
- •Professional Indemnity (PI) - including professional services such as accountants, legal practices and technology-led businesses
- •Public Liability
- •Employers’ Liability
- •Product Liability (where applicable)
Property, Assets & Business Continuity
Insurance supporting premises, physical assets, and income continuity following insured damage or disruption.
- •Commercial Property
- •Business Interruption
- •Commercial Combined / Package Policies
Management & Governance Risk
Protection for directors, officers, and organisations facing governance, employment, and regulatory exposure.
- •Directors & Officers (D&O) Insurance
- •Management Liability (incl. Employment Practices Liability, Corporate Legal Liability, Fiduciary Liability)
Technology & Cyber Risk
Insurance addressing cyber incidents, data exposure, and technology-related disruption; with an emphasis on continuity and operational resilience.
- •Cyber Insurance (including business interruption arising from cyber events and incident response costs)
Commercial Motor & Fleet
Insurance for vehicles used in the course of business operations, structured to reflect how vehicles are used and how operations depend on them.
- •Commercial Motor Insurance
- •Fleet Insurance (small and mid-sized fleets)
Sector experience
Our solutions are risk-led rather than sector-packaged. In practice, we support businesses operating across a range of commercial environments where the application of cover matters as much as the cover itself.
- •Construction and contracting operations
- •Professional and advisory firms
- •Trade, logistics, and transportation-related businesses
Our approach to risk
Across all solutions, our approach is consistent:
- •UK-focused and SME-centric
- •Clear, measured advice
- •Responsible insurer selection
- •Long-term partnership mindset