Commercial Property & Liability
Our experienced Commercial team has strong market relationships.
The team brings many years of London Market experience in the Commercial Property & Combined Liability sector. We use our in-depth knowledge of the market to source coverage to suit your clients’ needs. We believe that one-to-one discussion with insurers obtains the best results, allowing us to negotiate competitive terms and to better tailor specific coverage.
PROPERTY
Target businesses include
Risks that fall outside Provincial Insurer or Composite Market appetite.
- Unoccupied or Vacant Premises
- Nonstandard Construction
- High Hazard or Complex Trades
- Distressed Risks
- DSS / Asylum / Bail Hostels
- Detrimental History (convictions, liquidations & insolvency, HSE prosecutions)
- Multi-tenure
- Substantial Sums Insured
- Follow Market Capacity
- Excess Layers
Target sectors include
- Manufacturing
- Warehouses
- Engineering
- Fabricators
- Retail
- Real Estate, Office and Apartment Blocks
- Hotels
Available coverages include
- Bespoke Wording
- Wider Perils
- First Loss Limits
- Policy Extensions
- Terrorism
- Property Owners Liability
LIABILITY
Target businesses include
Risks that fall outside Provincial Insurer or Composite Market appetite.
- Unoccupied or Vacant Premises
- High Hazard Trades
- Safety Critical Products
- Medical Device Suppliers
- Construction
- Distressed Risks
- Detrimental History (convictions, liquidations, HSE prosecutions)
- Larger Limits of Indemnity
- Excess Layers
- US Exposures
- Food Manufacture
Target sectors include
- Contractors & Construction Sector (including builders, demolition, civil engineers, formwork, ground workers, piling and underpinning)
- Manufacturers (including aviation, motor, oil & gas components)
- Wholesalers
- Fabricators
- Precision Engineers
- Life Science Suppliers
- Offshore & Marine Work
- Engineers (including airside, rail & marine)
- General High-Risk Trades (including foundries, stevedores, slaughter houses and steeplejacks)
Available coverages include
- Employers Liability
- Public Liability
- Products Liability
- Property & Landowners Owners Liability
- Excess of Loss Liability
- Non-negligent Liability (6.5.1)
- Environmental Impairment Liability
- Product Recall
CONTRACTORS ALL RISKS, PLANT & EQUIPMENT
Target trades include
- Piling Contractors
- Underpinning
- Excavation
- Tunnelling
- Wet Work, under, over or adjacent to water
- Civil Engineers
- Groundwork
- Demolition Contractors
- Rail Workers
- Building Contractors
- Work in or on Aircraft or Water going vessels
- Work on Listed Buildings, Basements and Bridges
- Overseas Contracts
Available coverages include
- Contract Works (Permanent & Temporary)
- Third Party Liability
- Owned Plant
- Hired in Plant
- Continuing Hire Charges
Extensions and enhancements include
- Existing Structures
- Thirty-Six-month Policies
- Timber Frames
- DE4 and DE5
- Delayed start up
- Increased Contract Value
- Non-Negligent 6.5.1 Liability
- Machinery Movement
- Employees Tools
- Debris Removal
- Public Authorities Reinstatement
- Offsite Storage
- Plans and Specifications
- Recovery Costs of Materials and Plant
- Show House Contents
- Speculative Development
- Work Not Under Contract
