Property

We provide property protection across a broad range of territories and business occupations from our Head Office in London and through our regional offices in the UK, Continental Europe, Latin America and the Middle East.

Business is written across a wide spectrum of industries and clients, including commercial, industrial and manufacturing. We pride ourselves on providing an integrated service including quality underwriting, bespoke risk management and an efficient and fair claims service.

Property Global (Direct & Facultative)

We provide property cover across a broad range of territories and business occupations worldwide including commercial, industrial and manufacturing. Our aim is to maintain a portfolio balance between natural catastrophe exposures and non-catastrophe underwriting and our book of business covers policy options on a facultative, excess of loss, primary and quota share basis.

Cover

  • Physical loss or damage to domestic, commercial and industrial property on a primary, excess of loss and quota share bases
  • Catastrophe cover

Territories

  • Worldwide

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Property Specialty (Delegated Authority)

Property – Specialty US

Our Specialty US Property team has a depth of underwriting knowledge and expertise within the Lloyd’s market writing both property and casualty lines on a combined product basis.

Our primary client base is US small to medium sized commercial properties together with homeowner and dwelling coverage for individuals. We concentrate on US surplus lines business, packaged with associated casualty risks where required. We also provide mortgage impairment cover.

Target Markets

  • Property and Liability Coverage for small and medium sized businesses
  • Homeowners and Dwelling Coverage for individuals
  • Mortgage Impairment and Lender Placed coverage
  • Auto Physical Damage coverage

Line Size

  • Property USD 2.5 million
  • Casualty USD 1 million
  • Mortgage Impairment and lender placed USD 5 million

Territories

  • All US States

Property – Specialty International

This class of business is written on a delegated underwriting authority basis and is aimed predominantly at small and medium commercial property business. We build first class relationships with our coverholders and Lloyd’s brokers to provide our clients with leading edge solutions to their property coverage requirements.

Cover

  • International small and medium enterprises (SME)
  • Commercial, industrial and household risks

Line size

  • GBP/CAD 2.5 million

Territories

  • Worldwide with particular focus on Canada and Australasia

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London Commercial Property

“Our Commercial Property team has a wealth of experience. We have established a strong reputation with brokers and clients. We look to understand our clients business and provide them with pricing and cover that accurately reflects their business exposures. Each risk is underwritten using sophisticated risk evaluation tools and risk assessment by our in-house risk engineering team. We take a pragmatic approach to providing insurance solutions and look to build long-term partnerships. Our team endeavour to provide consistency and longevity during the relationship.”

What we can offer

  • Lead capability
  • Primary and excess capability
  • Tailored policy coverage
  • Deductible structures to suit risk profiles

Underwriting Innovation

We have invested in our underwriters to ensure their skills complement our product offering:

  • Accessibility: they are able to meet with you to better understand your risks and discuss our proposals
  • Open-mindedness: they are prepared to consider your individual circumstances on a per risk basis
  • Transparency: they can explain how the premium has been calculated and terms applied
  • Consistency: they will approach your risk in a fair and accurate way

Line Size

  • Up to GBP 100 million

Territories

  • Ability to write UK and European exposures and also consider programmes with multi-national exposures

European Commercial Property

“Our Commercial Property team has a wealth of experience. We have established a strong reputation with brokers and clients. We look to understand our clients business and provide them with pricing and cover that accurately reflects their business exposures. Each risk is underwritten using sophisticated risk evaluation tools and risk assessment by our in-house risk engineering team. We take a pragmatic approach to providing insurance solutions and look to build long-term partnerships. Our team endeavour to provide consistency and longevity during the relationship.”

What we can offer

  • Lead capability
  • Primary and excess capability
  • Tailored policy coverage
  • Deductible structures to suit risk profiles

Underwriting Innovation

We have invested in our underwriters to ensure their skills complement our product offering:

  • Accessibility: they are able to meet with you to better understand your risks and discuss our proposals
  • Open-mindedness: they are prepared to consider your individual circumstances on a per risk basis
  • Transparency: they can explain how the premium has been calculated and terms applied
  • Consistency: they will approach your risk in a fair and accurate way

Line Size

  • Up to GBP 100 million

Territories

  • Ability to write UK and European exposures and also consider programmes with multi-national exposures