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    Small business in Property

    Commercial property

    Paul Bromley

    Paul Bromley

    Small Business Unit Leader and Senior Underwriter

    Our small business commercial property team based in the UK underwrites risks globally through Lloyd's brokers on a delegated authority/MGA basis. We are a lead underwriter of choice for both brokers and Lloyd's syndicates.

    Our underwriters are experts in their respective fields and are equipped to make quick decisions without the need for referral. Through clear directions and open discussions our coverholders are empowered to do the same. This coupled with in-depth knowledge of local territories as well as an integrated claims team means we consistently deliver expert advice and a great service.

    We have a dedicated wordings team that can help brokers finesse the wordings to the specific needs of their clients. Our wordings specialists also sit at the Lloyd's box and can be accessed alongside our underwriters offering dedicated time to brokers to look through the wordings together.

    We typically underwrite risks with a risk limit of less than US$1m but are able to cover risks with an insured value of up to US$5m. We insure office buildings, hotels, restaurants, bars, retail spaces and apartments. Our products also include forced place property, motor truck cargo/auto physical damage and inland marine.

    We seek to develop long-term partnerships with coverholders that can demonstrate expertise in the risks they underwrite, an intimate understanding of their territories and a stable track record with a healthy balance between size of risk and premium. We make a point to meet our key coverholders whenever possible. Though we have grown steadily, we also value long term relations with many clients relationships spanning more than 20 years.

    Coverage available

    Subject to the terms and conditions of the policy, we will pay claims for fire, explosion, flood, windstorm, earthquake and other causes.

    Typical exclusions

    Boiler and machinery, chattel insurance, punitive damage, mobile homes, saw mills, construction risks, night clubs.

    Limits available

    Maximum limit US$1m for any one risk with a maximum total insured value of US$5m.

    Products

    Small commercial: We offer 'full value' policies and, other than in exceptional circumstances, do not consider first loss or excess policies. The perils that we cover include 'basic' (named perils), 'broad' (named perils plus falling objects, weight of ice and snow and water damage) and 'special form' (all risks).

    Forced placed property: This provides fire and extended coverage, all risks of physical loss or damage insurance related to loans for which no proof of insurance has been provided to the mortgagee.

    Inland marine: This indemnifies loss to movable or specialised types of property and equipment. This form of insurance developed out of ocean marine insurance and includes property coverage for construction equipment, medical diagnostic equipment, fine arts, solar panels, wind turbines, cameras and movie equipment, musical instruments, and a wide variety of other types of property.

    Commercial property team

    Wordings

    Amanda Janes

    Wordings Manager

    Amanda Janes

    London, UK

    +44 207 674 7016

    Underwriters

    Paul Bromley

    Small Business Unit Leader and Senior Underwriter

    Paul Bromley

    London, UK

    +44 207 674 7251

    Laura Evans

    Underwriter

    Laura Evans

    London, UK

    +44 207 674 7204

    Alex Hardy

    Underwriter

    Alex Hardy

    London, UK

    +44 207 674 7744

    Claims

    Mark Crowest

    Claims Manager

    Mark Crowest

    London, UK

    Trevor Self

    Head of Property Claims

    Trevor Self

    London, UK

    +44 207 674 7272