Hello,

I'm looking for information about insurance companies that have a
flexible approach (and history) of writing innovative insurance
policies, particularly for insuring company infrastructure - damage to
and loss of machinery, movable equipment (such as laptops etc.) and
buildings.

I am also looking for such innovative approaches to
innkeepers/hoteliers insurance. Information about how these
policy/policies differed from those existing on the market is alo
appreciated.

Please note that I am not looking for such information on
health/auto/life insurance policies.

Dear skt1479-ga, 

Could you help us understand a bit better what you mean by
"innovative?"  Conventional business policies cover infrastructure,
and there are established programs for innkeepers/hoteliers.  Do you
have particular concerns that you want to address?  Is it a question
of style (you are looking for a forward-looking company)?  Or, do you
have concerns about particular risks that you think may not be covered
in "conventional" policies?

Insurance can cover just about any risk that man (or woman) can
articulate - for a price!

Hello Again:

I am more interested in (forward-looking) companies that have a
history of noticing shortcomings in existing insurance policies (at
that particular time) and being among the first to come out with
radically new policies to address the same. More specifically, there
are certain risks/markets that conventional insurance policies do not
cover and your fact based opinion about those companies that are open
to considering these risks/markets (in the first place) and their
likelihood of writing a customized policy to suit our needs - is
sought for and is highly appreciated.

Best Regards.