What is a Fractional Insurance Manager?

Big companies keep an insurance manager on staff. They read the cover, negotiate the wording, chase the broker, defend the claim. An SME cannot afford one full-time, and rarely needs one full-time. A fractional insurance manager does the same job, part-time, for creative businesses that would benefit from an in-house function without the in-house cost.

How it is different from a broker

A broker’s role is to place cover with insurers. Ours is to manage insurance for you across renewals, claims, and every mid-term change. Different roles. Different responsibilities. Different measures of success. A broker’s job ends when the policy is bound. Ours starts there, and lasts through renewal and any claim.

Five principles

1. Your business is the hero. Your work runs the risk. The insurance has to hold when tested. Everything we do is measured against that.
2. The industry is opaque. You pay for cover you cannot see, and lose cover you did not know you had. Most people find out on the day they claim.
3. We are the guide, not the seller. We spent years fighting complex claims from inside the industry. Not for insurers. Always for you.
4. The plan is three steps. We look at what you have got. We bring you the market. We stay by your side. Step three is the differentiator.
5. The measure is what happens on claim day. How a loss is presented shapes how it is settled. When it counts, someone has to know the tempo of it, and not panic.

In Geoff’s words

“I am a fractional insurance manager. Your advocate, sitting on your side of the table. I have spent years fighting the biggest and most difficult claims in the industry. I put all of that expertise in your pocket, from the moment you buy insurance through to the moment you make a claim.”

Who this is for

Fazan & Co works with creative and experience-economy businesses in the United Kingdom. Theatre, theatre venues, and theatre suppliers. Immersive and experiential productions. Live events and event suppliers. Exhibitions, art fairs, and galleries. Public art and installations. Dance and contemporary dance. Fringe theatre and fringe festivals. Pop-ups. Festivals. The wider experience economy.

Every one of those businesses runs risks the boilerplate never anticipated. That is where a fractional insurance manager earns their space.

What a first engagement looks like

A free desktop review. We read your current cover, benchmark it against what the market is doing, and build you a policy register. No cost. No pitch. If it shows fit, we introduce you to the brokers who fit your world. If it does not, you keep the register and go on your way.