We Don't Work With Everyone. Here's Who We Won't Touch.

Many brokers will insure almost anything. Money is the main driver, of course. But that's not how we do things. We have a Naughty List.

It's a decision we made early on; and we wrote it down so we wouldn't be tempted to ignore it if a chunky client came asking. As a Certified B Corp™, we're held to a standard that goes beyond whether a risk is technically insurable and how much money we could make. We try to do the right thing.

So here it is: our full excluded sector list, in all it’s grubby, unethical glory.

Fossil Fuels

Oil, coal, and natural gas extraction, refining, and distribution.

If you're still extracting fossil fuels in 2026, we're probably not the broker for you. We're not going to dress this one up.

Industrial Fishing

Commercial fishing, fish farming (especially open-net aquaculture), and companies linked to trawling or bycatch-heavy practices.

Bycatch is the industry's word for "we accidentally killed a lot of things we weren't trying to kill." We're not comfortable underwriting that.

Industrial Agriculture and Animal Farming

Livestock farming, factory farming, and companies involved in deforestation for agricultural purposes.

Scale tends to win over welfare in industrial agriculture. We'd rather sit this one out.

Single-Use Plastics

Producers of single-use plastics, non-biodegradable packaging, and companies with high levels of plastic waste.

If your core product ends up in a landfill or an ocean within 20 minutes of use, we're not the right fit.

Mining and Quarrying

Mining operations, especially those extracting metals, rare earth minerals, and sand dredging.

Not all extraction is equal, but the operations on this list carry environmental costs that are hard to reconcile with what we're building.

Chemical Manufacturing

Companies producing or relying on synthetic pesticides, fertilisers, and industrial chemicals.

Broadly useful as a category. Broadly difficult to underwrite responsibly. We'd rather pass.

Deforestation

Palm oil, logging, and paper production companies that contribute to deforestation.

Deforestation accounts for roughly 10% of global carbon emissions. We're not going to take commission on that.

Arms and Munitions

Any product used to cause harm.

This one doesn't need a witty one-liner.

Animal Products

Meat, dairy, fur, leather, exotic skins, ivory trade and companies dealing in endangered species.

Non-Renewable Energy

Companies using primarily coal, oil, and gas for energy production, rather than renewable sources like solar or wind.

See: fossil fuels, above. The production and the consumption sit in the same category for us.

Transportation and Aviation

Airline companies, shipping corporations, and companies heavily invested in logistics relying on fossil fuels.

This one is harder than the others. The exclusion applies to companies whose core model is fossil-fuel-dependent logistics at scale, not the tech startup that uses a courier.

Why publish this at all?

Plenty of brokers have internal exclusion lists, but you’ll find that most don't publish them. Probably so they can weasel out of it and make lucrative exceptions when it suits them.

We believe that transparency isn't selective. If we're asking you to trust us with your business insurance, the least we can do is be clear about what we stand for, and what we won't stand behind.

This list isn't permanent and it isn't perfect. It gets reviewed regularly, and we'll update it as we learn. If you want to talk about it, please feel free to get in touch.