(5,0 / 37 Google-reviews)
Boutique liability and specialty lines broker
Your guide to navigating the complex world of liability and specialty insurance
“We only provide assistance in insurances we know thoroughly—Real expertise, not empty promises.“
Spotting the Most Important Liability Risks
We help your company figure out what liability risks you actually face—and which ones are worth insuring.
Not every risk needs insurance, and in many cases it wouldn’t even make sense. The problem is that companies often don’t really know what their risks are, or what their current policies leave out.
With our LexRisk analysis, built on decades of experience, your leadership team gets a clear and up-to-date picture of liability exposures and potential claims that aren’t covered today. That way you can make decisions based on facts, not guesswork—whether that means taking action or simply leaving things as they are.
Access to European Insurance Markets
We’re not tied to just Finnish insurance market. We can negotiate policies from abroad that no domestic company is willing to write.
For example, liability coverage for banks, private equity firms, FinTech, and other specialized industries almost always has to be sourced from London—Finnish insurers won’t touch them.
Expertise in Liability Insurance
We specialize in liability and niche insurance.
This includes general liability, product liability, professional indemnity, financial lines, and directors’ & officers’ insurance—as well as industry-specific policies such as coverage for banks and private equity firms.
And if your insurer has denied a claim unfairly, we can also appeal that decision on your behalf
“The insurer denied our claim. Can they even do that?”
Because the loss affected a key business partner, we had to cover it ourselves—and now our bank account is in the red.
A Boutique Insurance Broker
Locus Insurance Brokers is a boutique firm focusing only on liability and specialized insurance. Our service is designed for companies that want the highest level of expertise in insurance products that even many people in the industry don’t fully understand.
We make sure your liability risks are properly identified, so decisions about buying coverage—or adjusting what you already have—are based on facts, not assumptions. We can also negotiate with international markets to get policies that your current insurer is not willing to underwrite.
Sometimes the best result isn’t a new policy at all, but simply improving your current one. We’ll always be upfront about what makes sense and what doesn’t. Our foundation is simple: clear and actionable advice, no guesswork or unnecessary policies.
We serve private equity firms, consultants, banks, tech startups, and traditional businesses that need specialized help with liability and specialty insurance. In many cases, there’s simply no suitable policy available in Finland. That’s why we work across the Nordic, European, and London markets (including Lloyd’s syndicates) to find the right solution for your needs.
A Boutique Insurance Broker
Locus Insurance Brokers is a boutique firm focusing only on liability and specialized insurance. Our service is designed for companies that want the highest level of expertise in insurance products that even many people in the industry don’t fully understand.
We make sure your liability risks are properly identified, so decisions about buying coverage—or adjusting what you already have—are based on facts, not assumptions. We can also negotiate with international markets to get policies that your current insurer is not willing to underwrite.
Sometimes the best result isn’t a new policy at all, but simply improving your current one. We’ll always be upfront about what makes sense and what doesn’t. Our foundation is simple: clear and actionable advice, no guesswork or unnecessary policies.
We serve private equity firms, consultants, banks, tech startups, and traditional businesses that need specialized help with liability and specialty insurance. In many cases, there’s simply no suitable policy available in Finland. That’s why we work across the Nordic, European, and London markets (including Lloyd’s syndicates) to find the right solution for your needs.
Backed by Over 10 Years of Legal Experience
Whether the question is about a construction firm, directors’ personal liability, or private equity liablity coverage, we’ll help you find the best solutions. With our LexRisk analysis, we map out your liability risks and source the right insurance for your specific need.
We’re not a “price-chopping broker” who squeezes the premium at the cost of your coverage just to increase their own commission. Nor do we offer broking services for property or personal insurance—we only focus liability and specialty lines.
And if you need help overturning an unfair claim denial, you can also request a free case review from our legal arm, Vakuutusjuristi Pitkämäki Oy.
“The insurer refused to cover our directors in case of a criminal investigation.”
How do I explain to the board that they’d have to pay their own defense costs if there was, say, a workplace accident or environmental damage?
When insurance tender did not provide the desired outcome
Sometimes liability policies have just been put out to tender, but the coverage looks better on paper than it actually is.
The headline comparison of cover may look identical, but in reality one policy might cover a loss while another excludes it. It takes real expertise to spot the differences and avoid pitfalls.
Trouble with your current insurer
Maybe you’ve worked with your insurer for years, but prices keep climbing and responses to your questions are slow. Or claims that used to be paid are now denied.
Switching insurers might help—or it might not. Sometimes other insurers have expanded coverage while your insurer has been happy with increases in premiums without additional cover. But of course your insurer won’t tell you if some other market has a better solution.
With us, you’ll always know where the best cover and value are for your specific situation.
When claims don’t get paid
It’s common for businesses to assume certain risks are covered—only to find out later they aren’t.
- Do you use subcontractors?
- “Oh, subcontractors’ mistakes are excluded from policy.”
- • Do you use borrowed or rented equipment?
- “Those losess are also not covered.”
- Are you leaasing your premises of office space?
- “Damage to rented property isn’t covered either…”
Surprises such as these can be avoided by reviewing and filling gaps in liability coverage before a loss occurs.
“We got three offers that all claimed to cover damage to rented property.”
But when the first claim came, the insurer pointed to an exclusion and refused to pay.”
Insurer refuses to provide cover required by a client contract
Sometimes you lose business purely because your insurer refuses to provide the coverage your client requires. Even if you switch insurers, the contract deadline may pass. Other times, the requirement itself may be unrealistic—coverage is required from you for a policy that simply doesn’t exist.
That’s where our legal expertise helps.
We can quickly determine whether the client’s insurance requirement is reasonable, if cover for it is provided by some markets, or if the request is for insurance which doesn’t exist at all. Either way, you don’t lose good deals just because your insurer said “no, we don’t do that”.
Endless delays getting a aimple answer
It can take what feels like an eternity to get an answer from your insurer, even to simple questions:
“Is this loss covered or not?”
“Does the policy still respond if we sign this contract?”
“Can we extend cover to include X?”
With an insurance lawyer, you don’t have to wait—most answers come instantly.
…and when the answer finally comes, it often makes no sense.
“Contractual liability is not covered by the liability policy. We cannot underwrite this type of risk.”
“But our entire business is built on contracts. How can you say contractual liabilities aren’t covered at all?”
You’ve probably come across a similar situation before. When someone doesn’t actually understand the subject, they just repeat the same answer they were given before. Asking for clarification doesn’t help, because the person responding to you doesn’t really know the answer themselves. So they just repeat the same answer over and over.
We’ve worked exclusively with liability and specialty insurance for over 10 years. And it shows in the way we explain things. When you truly understand a topic, you can make it simple and clear.
With us, you’ll never be left guessing what a “contractual liability exclusion” really means, or what types of losses your liability policy won’t cover.
“How can subcontractor losses not be covered the policy? We use them regularly in our business.”
Our company relies on subcontractors to deliver our services. Why didn’t anyone mention this exclusion? In the end, we have to pay the full damages to our client anyway—and we can’t expect the subcontractor to cover it.
Where we can help
Most of our clients come to us when thins have gone with the insurer or the insurance broker. Things aren’t working the way they should. That could mean:
Our mission is to guide your business through these and any other insurance hurdles you may encounter.
That’s the only way to identify the key liability risks, point out the losses your current policies don’t cover, and suggest the best options for arranging insurance.
Not every risk should—or even makes sense to—insure. But too often companies don’t even know what risks they face, or which losses their current insurance leaves out entirely. Even if you decide not to buy insurance, good risk management means knowing which risks you’re carrying yourself—so they don’t come as a surprise when something happens.
With our decades of experience, we’ve developed the LexRisk analysis, which gives your company an up-to-date view of liability exposures and potential claims that aren’t covered today. That way, management can make decisions based on facts: should the risk be shifted to an insurer, passed on to contractors or partners, or even priced into your services?
Because we’re not tied to Finnish insurers, we can also arrange policies no domestic company will write. For example, liability cover for banks, private equity firms, FinTechs, and other specialized industries almost always has to be sourced from London—Finnish insurers simply won’t touch them.
We help our clients with general liability, product liability, professional indemnity, financial lines, directors’ & officers’ insurance, and many industry-specific policies—like those for banks and private equity firms. And if your insurer has already denied a claim, we can also help you challenge and overturn that decision.
Our mission is to guide your business through these and any other insurance hurdles you may encounter.
We always start with getting to know your specific business. From there, we can identify the key liability risks, show you where gaps exist, and suggest the best options. Not every risk can—or should—be insured, but your leadership needs to know which ones you’re carrying yourself.
Our LexRisk analysis gives you that picture, so you can decide whether to shift risks onto an insurer, pass them on to partners or subcontractors, or manage them internally.
And because we’re not tied to local insurers, we can source policies from London or across Europe when Finnish companies won’t provide them.
That’s the only way to identify the key liability risks, point out the losses your current policies don’t cover, and suggest the best options for arranging insurance.
Not every risk should—or even makes sense to—insure. But too often companies don’t even know what risks they face, or which losses their current insurance leaves out entirely. Even if you decide not to buy insurance, good risk management means knowing which risks you’re carrying yourself—so they don’t come as a surprise when something happens.
With our decades of experience, we’ve developed the LexRisk analysis, which gives your company an up-to-date view of liability exposures and potential claims that aren’t covered today. That way, management can make decisions based on facts: should the risk be shifted to an insurer, passed on to contractors or partners, or even priced into your services?
Because we’re not tied to Finnish insurers, we can also arrange policies no domestic company will write. For example, liability cover for banks, private equity firms, FinTechs, and other specialized industries almost always has to be sourced from London—Finnish insurers simply won’t touch them.
We help our clients with general liability, product liability, professional indemnity, financial lines, directors’ & officers’ insurance, and many industry-specific policies—like those for banks and private equity firms. And if your insurer has already denied a claim, we can also help you challenge and overturn that decision.
“The insurer refuses to provide the coverage our business partner requires.”
So we’re losing revenue just because the insurer won’t write the one policy that stands between us and signing the contract?
Focused Help for liability and specialty lines
We provide expertise in liability and specialty insurance, as well as for overturning denied claims.
