Accident & Specialty
The practical, often-overlooked covers that close the gaps your main policies leave open.
Some of the most common losses businesses and individuals suffer are not covered by a standard motor or property policy: a laptop stolen from a car, cash taken in a robbery, an employee injured away from work, or a trusted staff member who quietly diverts funds.
Our accident and specialty solutions are designed to close those gaps. All risks cover protects portable valuables wherever they are. Personal accident cover provides lump-sum and medical benefits after accidental injury, for individuals or entire workforces. Money insurance protects cash on your premises and in transit, while burglary cover responds to forcible break-ins.
Fidelity guarantee insurance protects employers against financial loss caused by the dishonesty of employees — a risk that is easy to underestimate and painful to experience. We help you set appropriate limits and understand the internal controls insurers expect, which also strengthens your business.
What we can arrange
Cover options at a glance.
Exact terms, limits and exclusions vary between insurers. We’ll walk you through the details of every option before you decide.
All risks
Portable items such as laptops, phones, cameras and jewellery, at home or on the move.
Personal accident
Individual and group cover for death, disability and medical expenses after an accident.
Money insurance
Cash and negotiable instruments on your premises, in safes and in transit.
Burglary insurance
Loss or damage following forcible and violent entry into your premises.
Fidelity guarantee
Financial loss caused by fraud or dishonesty of your employees.
Why Symmetric
More than a policy. A partner for the life of your cover.
We compare the market
Your requirements go to insurers whose appetite and capability fit — and we negotiate on premium, excess and terms.
We explain it plainly
No jargon, no hidden clauses. You’ll know exactly what is covered, what isn’t, and what to do if something happens.
We stand by you at claims
From the first call to final settlement, we manage the insurer on your behalf and push for a fair outcome.
Often arranged together
All servicesProperty Insurance
Cover for homes, household contents and offices, including fire and business interruption.
Learn moreLiability Insurance
Professional indemnity, directors’ & officers’, public, employers’ and cyber liability cover.
Learn moreLife & Assurance
Life, savings, education, funeral, term, keyman and travel assurance.
Learn more