Our US Binders team specialises in binding authority business written by way of delegated underwriting authorities to managing general agents. The vast majority of business written is located in North America.
We are a significant player in the Lloyd’s excess and surplus lines market, writing a diverse portfolio of business. Classes written include commercial property, homeowners, casualty and automobile.
We seek to establish strong relationships with our agents, developing a deep understanding of their needs and enabling us to tailor our products accordingly. We work closely with specialist Lloyd’s brokers and focus on our core areas of expertise. We pride ourselves on our flexibility and service, combined with sound underwriting judgement and appropriate controls.
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Our automobile account primarily comprises commercial automobile physical damage, motor truck cargo, truckers’ general liability, non-trucking liability and a limited amount of primary auto liablity business written in the USA. We write both owner operator and fleet business.
Our casualty account comprises commercial general liability, covering low hazard types of exposure such as slip and fall, food poisoning, etc. We are not a market for casualty business where there is any significant products exposure.
We will also write business on a package basis combining general liability and property under one policy.
The main focus of the commercial property account is on small to medium sized commercial risks with total insured values below $25m. We will also write business on a package basis combining general liability and property under one policy.
We also write force planned, REO (real estate owned), flood and mortgage impairment business.
We write homeowners business in both the USA and Canada. We focus on the middle market in terms of property values but will write both low- and high-value risks.