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Service 03 / 04

Run-off planning

Run-off is one of the most expensive — and least understood — parts of professional indemnity. We help partners and principals plan it properly: how long, what limit, what it costs, and how to fund it.

At a glance

  • No nasty surprises at exit
  • Cover that matches your liability
  • A clean handover
Senior, named broker
Start 90 days out
Start your quote

What this means for you

The outcomes, in plain English.

01

No nasty surprises at exit

You know what run-off will cost and what it covers, years before you actually need it.

02

Cover that matches your liability

Limit and length set to your work, your regulator's rules, and your real-world risk — not a default.

03

A clean handover

Documentation that satisfies regulators, successors and insurers, all in one place.

How it works

Our process.

The same senior broker takes you through every step — no handovers, no being passed around.

  1. 01

    Liability mapping

    We work through the work you've done, the sectors, the limitation periods, and what realistically needs covering.

  2. 02

    Structure & funding

    We model the cost, recommend a structure — single premium, annual, or staged — and agree how it's funded.

  3. 03

    Market placement

    We approach insurers who actually want run-off business, not just incumbents looking to charge an exit premium.

  4. 04

    Documentation

    Clear records for partners, successors and regulators, with reminders for any renewals or notifications during the run-off period.

Why Birchin

Why we handle this better.

Same senior team, every step. No handovers, no scripts, no conflicts — just a broker who knows your file.

Bringing independence back to broking.
  • We've placed run-off for sole practitioners through to multi-partner firms.
  • Independent access to specialist run-off markets in London and Lloyd's.
  • Honest conversations about what's worth paying for — and what isn't.
  • We stay engaged through the run-off period, not just at the bind date.

FAQs

Questions we get asked.

Let's talk

Ready to get started?

Fifteen minutes on the phone is usually enough to know whether we can help. No hard sell, no obligation.