The problem is clear
Businesses in your sector face similar insurance challenges:
• Coverage that doesn’t fit your actual risks
• Under-protected against the threats that really matter to your industry
• Unsure on what coverage your peers are buying
• Frustrated by service providers that don't understand your business
What if there was a better way?
Introducing Collective.
We believe the best insurance products come from industry intelligence, shaped by real experience.
Share what works well, your frustrations, concerns, and ideas on how insurance could work better for your sector.
We'll use that feedback to push for change and help create smarter cover for businesses like yours.

Insurance. Assessed.
Here's how it works:
Step 1:
Share & Survey
Upload your current insurance policies and complete our short 3-min survey to our secure platform.
Step 2:
Benchmark & Learn
Once we've collated enough data, you will get an exclusive anonymised report into what your peers are buying, paying, and prioritising.
Step 3:
Build Together
We use collective intelligence to design best-in-class insurance products for your community – the best coverage with innovations your industry actually needs.

What You Get
Immediate Value
Once the survey phase is complete, you will receive:
-
Industry Report: How your coverage and costs compare to sector peers
- Risk Insights: Emerging threats your industry sees vs. what insurers actually cover
- Coverage Gap Analysis: Where your current policies might be leaving you exposed
Long-Term Value
With the insights we've gained from this work, we will be able to provide:
-
Specialist Policies: First access to insurance products designed specifically for your sector
-
Collective Buying Power: Better rates through group purchasing
-
Continuous Innovation: Products that evolve with your industry's changing risks
Aesthetics
From clinics to consultants to practitioners, join a community of innovators shaping smarter insurance for the aesthetics industry.
Recruitment - Coming Soon
Whether you're scaling a talent platform or running a niche agency, share you policy to unlock insight and influence future cover.
Frequently Asked Questions
What does this cost?
Joining Collective and receiving benchmarking insights is completely free. In fact the first 50 participants will get a £25 Huggg voucher.
Will my competitors see my information?
Never. All data is anonymized before analysis. Competitors see industry trends, not your specific details.
How do you ensure data security?
We use encryption and are fully GDPR compliant. Your data is never shared in identifiable form.
What if I don't want to share all my policies?
You control what you share. Even partial information provides valuable benchmarking insights, but it is most helpful for us to have the full picture.
Shape the future of insurance in your sector.
If your sector isn’t listed yet, you can express interest in creating a new Collective. community. We’ll then be in touch to explore how we can support you.
Simply email collective@capsulecover.com or complete the short form.