How Ozzas Ltd Strengthened Its Insurance Protection as the Business Grew
As fire protection businesses expand, their insurance requirements often become more complex. New contracts, larger projects and additional services can create exposures. These may not be fully addressed by insurance arrangements put in place years earlier.
For Essex-based Ozzas Ltd, a specialist contractor operating within the fire protection sector, business growth prompted an important question: Was their insurance still fit for purpose?
Client Overview
Company: Ozzas Ltd
Location: Essex
Sector: Passive Fire Protection
Employees: 30–50
Turnover: £2m–£5m
Accreditations: BAFE, NSI, CHAS, SafeContractor and SDI 19
The Challenge
Ozzas Ltd had been insured with the same provider for several years. During that time, the business had grown significantly, taking on larger contracts, expanding its fire alarm installation activities and increasing its maintenance portfolio. As operations evolved, so too did the risks associated with the business.
The directors wanted reassurance that their insurance programme reflected the scale and nature of their current activities, rather than the business they had been several years before
A Specialist Review
Following an introduction from Darwin Clayton’s telemarketing team, our specialist fire protection insurance team met with Ozzas Ltd and conducted a detailed review of the company’s existing insurance arrangements.
During the review, several areas were identified where cover could potentially be strengthened:
- No separate Products Inefficacy cover under the existing programme.
- Higher Public Liability and Professional Indemnity excesses.
- Lower levels of cover for theft by employees and legal expenses.
- Opportunities to better align the insurance programme with the company’s specialist fire protection activities.
Each finding was discussed with the client and clearly documented, enabling Ozzas Ltd to make informed decisions about its future insurance arrangements.
The Solution
Working alongside Hiscox, Darwin Clayton arranged a tailored insurance programme through our specialist Fire Protection Contractors Insurance Scheme. The solution was designed to address the identified gaps and provide coverage more closely aligned with the business’s evolving risk profile.
The programme included:
- £10 million Public Liability
- £10 million Employers’ Liability
- £5 million Professional Indemnity
- Products Inefficacy Cover
- Financial Loss Cover
- Loss of Extinguishment Cover (where applicable)
- Property Away and In Transit Cover up to £250,000
The new insurance programme went live last year, giving Ozzas Ltd confidence that its cover reflects how the business operates today.
Client Feedback
The impact of a specialist review was clear to Ozzas Ltd’s Director, Rytis Ozolas:
As a safety and security systems contractor, finding the right insurance partner is critical, not just for compliance, but for real protection and peace of mind. Working with Darwin Clayton Insurance has been one of the best decisions for our business.
From the outset, their team demonstrated a deep understanding of our industry. They don’t offer generic, one-size-fits-all policies, they tailor coverage specifically to the risks we face day-to-day. That level of industry knowledge makes a huge difference when it comes to confidence in your cover.
What really stands out is their responsiveness and professionalism. I specifically have always had Sharon Worster looking after my company and any time we’ve had questions or needed support Sharon has been quick, clear, and always helpful. Sharon always takes the time to explain everything properly, which is refreshing in an industry that can often feel overly complex.
In the past year I needed a new insurance for a client and Sharon responded super-fast allowing us to stay focused on running our business and taking the stress away from us as usually taking out new insurances can be very stressful but Darwin Clayton made it swift and simple.
If you’re looking for an insurance provider that truly understands your work, supports you when it matters, and delivers reliable, tailored cover, I would highly recommend Darwin Clayton Insurance. They’ve earned our trust, and we wouldn’t hesitate to choose them again.
Why Insurance Reviews Matter
Many fire protection contractors experience steady growth over time, whether through increased turnover, new service offerings, larger contracts or additional employees. However, insurance arrangements are not always reviewed at the same pace. A policy that was appropriate several years ago may no longer reflect the risks a business faces today.
Regular insurance reviews can help identify potential gaps in cover, ensure policy limits remain appropriate and provide confidence that protection keeps pace with the business. This is particularly important in specialist sectors such as fire protection, where the consequences of a claim can be significant.
Specialist Insurance for Fire Protection Contractors
Darwin Clayton’s Fire Protection Contractors Insurance Scheme, developed in partnership with Hiscox, is designed specifically for businesses operating in the active and passive fire protection sectors. The scheme provides access to tailored cover that reflects the unique risks faced by fire protection contractors
If your business has grown, diversified or taken on larger contracts since your last insurance review, now could be the ideal time to reassess your arrangements.
