Business Details
44 Years
experience
Specialist Liability Insurance Solutions in Elland
Established in 1982, Hathaway & Cope is a specialist Managing General Agent (MGA) with over four decades of dedicated experience in providing tailored liability insurance solutions. We focus exclusively on Public, Employers, and Excess of Loss Liability schemes for Retail Insurance Brokers, serving self-employed individuals and small businesses across manual, clerical, and professional trades. As a wholesale broker, we act as a critical intermediary between retail brokers and insurers, facilitating access to specialist markets that standard providers cannot accommodate. Our expertise lies in addressing complex risks through bespoke underwriting, offering competitive terms for difficult-to-place cases while maintaining rigorous compliance standards.With direct relationships with leading insurers, we enable retail brokers to secure coverage for risks they would otherwise struggle to place. Owned by Dave Ransley since 2004, our team combines deep industry knowledge with a commitment to rapid service delivery, typically providing quotes and documentation within 24 hours. We specialize in high-risk sectors where conventional systems falter due to geographical, structural, or trade-specific challenges, ensuring brokers can meet their clients' unique insurance needs.
Services
Public Liability Insurance
Employers Liability Insurance
Excess of Loss Insurance
Contractors All Risks
Plant Hire Insurance
Professional Indemnity
Construction Insurance
High-risk Coverage
Broker Support Services
Wholesale Insurance
Details
- Year established: 1982
Highlights and features
- Specialists in hard-to-place liability insurance since 1982
- Direct insurer relationships for specialist market access
- Experienced underwriters handling complex risk scenarios
- Fast-track quotations with 24-hour turnaround guarantee
- Tailored solutions for manual, clerical and professional trades
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Excess of Loss Insurance
Provides supplementary liability coverage beyond primary policies to protect against major incidents that could exhaust standard insurance limits. Designed for businesses needing higher indemnity when standard insurers lack capacity or appetite. Covers diverse trades with low minimum premiums, particularly benefiting smaller contractors requiring enhanced protection.
Contractors All Risks Insurance
Comprehensive cover for construction, building, and civil engineering projects that protects against damage during construction phases. Available for contractors, principals, or joint names, this policy accommodates owned or hired-in plant and equipment. Tailored to meet specific project requirements while addressing the complex nature of contract works insurance.
Public & Employers Liability
Specialist liability solutions for risks rejected by standard online markets due to location, premises, or trade complexity. Offers coverage for up to 10 manual workers on a per capita basis with rapid quotation, while larger risks are assessed using wage and turnover data. Designed for challenging cases requiring bespoke underwriting approaches.
People
Dave Ransley
Owner
With over 30 years' experience in the insurance industry, Dave Ransley has owned Hathaway & Cope since 2004. His expertise focuses on specialist liability underwriting and intermediary relationships, driving the company's strategic direction while maintaining its reputation for handling complex risks since its establishment in 1982.
Questions
What types of insurance does Hathaway & Cope specialise in?
We specialise in Public, Employers and Excess of Loss Liability insurance for self-employed individuals and small businesses, along with Contractors All Risks cover for construction projects.
How do you work with insurance brokers?
As a wholesale broker, we act as an intermediary between retail brokers and insurers, helping brokers place difficult-to-source risks with specialist markets they cannot directly access.
What makes your service different from other providers?
Our extensive industry experience and direct insurer relationships allow us to handle complex cases that standard providers decline, including high-risk trades and unusual geographical or operational scenarios.
How quickly can I get a quote?
We aim to provide quotations and documentation within 24 hours of receiving complete information, with some cases processed on the same day.
Do you cover construction-related risks?
Yes, we offer Contractors All Risks insurance covering construction projects including owned or hired-in plant and equipment, available for single projects or annual cover.
