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.