Primus was founded on a simple principle.
A more precise approach delivers better outcomes.
Too often, indemnity is built on broad assumptions rather than the reality of how consultants practise. We take a different view, starting with a clear understanding, then building everything from there. It’s a more considered way of working. And it leads to better aligned cover, fairer pricing and greater confidence.
Understanding
your practice, properly.
We take the time to understand how you practise – what you do, what you don’t do, and how your work is structured.
That includes your current and historic indemnity arrangements, the procedures you undertake, your activity levels, and how your practice may evolve over time.
This level of detail ensures your cover is structured to provide seamless protection for past and future work while giving underwriters the full picture needed to offer the most appropriate terms.
No assumptions. No unnecessary cost. No compromise on cover.
Only when that understanding is clear do we move to the market.
Right insurer.
Right terms.
We assess your profile against the differing risk appetites of our carefully selected insurer panel. Each underwriter evaluates practice in its own way, whether through earnings, procedure volume or activity mix.
Our role is to know which insurer is best aligned to you.
That alignment is what drives competitive terms. New clients save an average of 25.3% without compromising on contractual strength.
And this isn’t a one-year exercise. At every renewal, we reassess your profile and the evolving market to ensure your cover remains competitive and appropriately placed.
The Primus Panel.
Built on precision.
Our panel consists of insurers selected for providing the highest standard of cover, backed by the strongest legal teams.
Beyond policy strength, we understand how each underwriter evaluates risk, what they favour, where they are cautious, and how their pricing methodology works in practice.
That knowledge allows us to present your profile properly and secure terms that are commercially sound.
Specialist cover, handled properly.
Consultant careers are rarely linear.
Historic indemnity issues, earnings reviews, declined renewals or complex claims histories are not uncommon, but they do require careful handling, not standardised responses.
We understand that these situations arise, and we work with underwriters who understand that too. The focus is always on context, not just headline facts.
We take the time to understand what’s happened, how your practice has adapted, and what’s in place going forward. That full picture is then presented clearly and professionally, ensuring underwriters can assess your position properly.
Where others may see complexity, we see something to work through.
The result is a more considered approach, in which we help secure appropriate cover and the most competitive terms available, without compromising protection.
When things aren’t straightforward.
Yes.
Where historic earnings are reassessed, subscriptions can be recalculated retrospectively, sometimes resulting in significant additional charges.
We assess the position carefully and explore whether contractual insurance can provide forward cover that also addresses the period in question, ensuring continuity without unnecessary disruption.
Each case is reviewed individually and confidentially.
The objective is clarity and stability, not escalation.
Yes.
This isn’t uncommon and it doesn’t mean you’re uninsurable.
The first step is understanding the context properly. We take the time to review the background, then present your profile clearly and comprehensively to underwriters who are aligned to that risk.
Our role is to ensure the full picture is understood, not just the headline issue.
Where appropriate terms exist, we’ll find them.
Often, yes.
Claims history is only one part of the assessment. What matters equally is context. What occurred, what was learned, and what safeguards are now in place.
We work with underwriters who assess risk thoughtfully rather than automatically. By presenting your profile accurately and professionally, we maximise the likelihood of sensible, commercially realistic terms.
Complex doesn’t mean unplaceable. It means considered.