• Suite of products tailored to suit the needs of an individual or group.
• Coverage protects a firms' interest (i.e. key man or buy/sell) as well as employees (executive disability protection).
• Coverage available for both white and blue collar professions.
• Limits well above those available locally.
• One of largest Accident and Health teams with key market relationships.
• Facilities available for speed of service and flexibility of products. 

• Every aspect of this coverage is designed with speed of response in mind.
• The policy centres on first and third party liability, paying for damages and associated costs that come about following an allegation.
• Coverage should be considered by all organisations with a workforce, but particularly those whose primary function is to provide a public service.
• Includes crisis response and risk management services as standard, with immediate access to legal support and public relations advice via a 24 hour hotline service.
• Strong working relationship with dynamic markets allowing for personalised solutions to meet clients’ needs.
• Policy limits up to USD5m (additional limits are available).

• A+ security rated Lloyd’s capacity for physical loss or damage to owned or leased mobile equipment, including CAT perils, mechanical & machinery breakdown, including whilst in use, storage and/or on road, loss of hire and/or earnings coverage available on a case by case basis.
• Designed for equipment owners, including contractors, subcontractors, lenders and others operating in the following industries: energy, natural resources, environmental services, industrial services, infrastructure and construction.
• Broad policy wording, flexibility around the type of asset that can be covered and a quick turnaround on quotes.

• Terrorism, Strikes Riots and Civil Commotion, Full Political Violence, Terrorism Liability, Active Assailant and NCBR insurance. 
• Standalone Terrorism market continues to see strong growth because it is a superior product at a better price than TRIA. This is relevant now more than ever as the all-risk premiums are increasing. 
• Large metropolitan locations who are part of a wider schedule are being unfairly penalised, especially in the hospitality sector. We can help you carve out the large locations into the standalone market, where we can tailor the limit, deductibles and premiums to suit the individual location.
• Following the recent spate of physical damage and resultant business interruption losses caused by protests in the US, there has been an uptick in SR&CC restrictions in limits/exclusions being imposed by Property All Risks carriers at renewals.

Corporate PA and Travel Insurance

Buy/Sell Disability

Key Man Protection

Executive Benefits - Employee Disability

Sexual Molestation Liability

Contractors, Plant & Equipment

Standalone Terrorism

SR&CC

Active Assailant

• The Accident and Health market continues to show signs of hardening, with pressures on rate and commissions.
• Covid exclusions are starting to be applied as a matter of course, as markets find themselves with exclusions on their reinsurance treaties at renewal.
• Some appetite does remain for limited Covid products, where there is enough premium to make it worthwhile for the market.
• Several large Insurers have secured increased income from Lloyd’s for 2021 in A&H. 

• The market place is strong in London and huge growth has been seen in submission flow over the last 12 months, with the challenges being faced in the casualty market. 
• Appetite remains broad with only excluded areas being foster care, massage and religion. 
• Pricing starts at USD5k for USD1m and maximum capacity offered in house, being USD5m with options on the open market to increase to USD15m in total. 

• 2021 should see a greater degree of CPE market capacity, as Castel have expanded their offering with a dedicated CPE underwriter and White Oak look to firm up their capacity.
• Facility quote turnaround times and accessibility to underwriters is very positive as well as “user friendly” and an overview is always offered for any accounts that are not a good fit, such as single item enquiries.
• Preferred loss limit for the Facility remains USD10 million, with more limit available for storage locations and/or with facultative support.
• Facility underwriters require that the submission includes a 5 year loss history, corresponding insured values and deductibles to fully understand each account's performance.

• Rates continue to be flat, with rate reductions achieved if values increase but limit remains the same. We have facilities that accommodate risks so that underwriter minimum premium requirements are satisfied.
• Pricing for new terrorism risks is still very aggressive and is able to beat pricing for TRIA, particularly if it is priced as a percentage of the All-Risks price.
• Still huge appetite with underwriters increasing capacity in all territories and blast zones.
• Due to recent events in Hong Kong, Chile and USA, we have seen a large increase in Strikes, Riots and Civil Commotion submissions. All-Risk markets are looking to impose SR&CC exclusions, and our market is here to provide a standalone solution.

Jonathan Pooley

View profile >

Charles Carr

View profile >

Tim Regan

View profile >

David Eliot

View profile >