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 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 client 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, Difference in Conditions (DIC), Wind Deductible Buy Back (WDBB), and Earthquake Deductible Buy Back (EQDBB). We also offer parametric insurance.

Typical exclusions

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

Limits available

Maximum limit US$5m for any one risk with a maximum total insured value of US$25m.

Territory

Worldwide with a focus on the US and Canada

Products

Small commercial/commercial package

We offer ‘full value’ policies and, in some exceptional circumstances, will 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). We target insured values of US$ 1,000,000 or less.

We can offer a commercial package product with insured values of US$ 5,000,000 or less in the US and Canada. A key differentiator to our Lloyd’s competitors is that our CGL claims are managed by Beazley claims adjusters, who are based in the US.

Hartford Steam Boiler’s equipment breakdown coverage can be accessed via our binding authority contracts on agreement from the HSB Team.

Residential

We underwrite small, medium and high valued homeowner insurance in the United States (excluding California), Canada and rest of the world in partnership with local coverholders from our base at Lloyd’s.

We target US$ 1,000,000 or less but can write up to US$ 5,000,000 in insured value (excluding limits for personal liability and medical expense.)

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.

Motor

Our auto portfolio largely includes commercial automobile physical damage and Motor Truck Cargo (MTC) across the US. We will consider both owner operated and fleets of all sizes.