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Package Business

Small commercial, residential and motor risks underwritten through Lloyd's brokers on a delegated authority/MGA basis.

What we offer

We offer 'full value' policies that include cover for 'basic' (named perils), 'broad' (named perils plus falling objects, weight of ice and snow and water damage) and 'special form' (all risks). 
Subject to the terms and conditions of the policy, we will pay claims for fire, explosion, flood, windstorm, earthquake, Difference in Conditions (DIC), Wind Deductible Buy Back (WDBB), and Earthquake Deductible Buy Back (EQDBB).

How can we help

Our delegated authority team comprises a group of specialists in small commercial, residential and motor insurance. We value long term relationships, and we have worked with a number of our clients for more than 20 years.

Who we can help

Coverholders and MGAs with books of business in the USA and Canada comprising small commercial and residential properties.

We can also provide cover for forced place property, motor truck cargo/auto physical damage and inland marine risks.


Worldwide with a focus on the USA and Canada

The Beazley Difference


Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.


Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  


Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

An insured suffered a major fire loss at their distillery products facility, which due to complexities with the age and build type of the property, meant that there was significant potential for a long-term business interruption loss. Our claims team worked closely with the adjustment team and supported the insured’s use of its own machinery experts to assist in the quantum evaluation. Within a few weeks, we had made significant interim payments to bolster the insured’s cash flow and enable them to make a series of both permanent and temporary repairs in order to keep their operations running. 

Your Beazley Team

Joe Fiorelli

Joe Fiorelli

Underwriter - Package Business

Philadelphia, PA, USA

+1 (215) 4468 448

Email Joe

Joe Cianflone

Joe Cianflone

Claims Manager

Atlanta, Georgia

+1 (770) 351 1723

Email Joe