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    Property

    Covers - Delegated Property

    Alex Hardy

    Alex Hardy

    Focus Group Leader - Covers

    Delegated authority specialists in small commercial, residential and motor insurance.

    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.

    Covers - Delegated Property team

    Focus group leaders

    Alex Hardy

    Focus Group Leader - Covers

    Alex Hardy

    London, UK

    +44 20 7674 7447

    Underwriters

    Laura Evans

    Underwriter - Covers

    Laura Evans

    London, UK

    +44 207 674 7204

    Alasdair Lea

    Underwriter - Covers

    Alasdair Lea

    London, UK

    +44 20 7674 7403

    Luke Overall

    Underwriter - Covers

    Luke Overall

    London, UK

    +44 20 7667 0620

    Joe Fiorelli

    Underwriter - Package Business

    Joe Fiorelli

    Philadelphia, PA, USA

    +1 215 446 8448

    Wordings

    Amanda Janes

    Head of First Party Wordings

    Amanda Janes

    London, UK

    +44 207 674 7016

    Claims

    Trevor Self

    Claims Team Leader - Property

    Trevor Self

    London, UK

    +44 207 674 7272

    Mark Crowest

    Claims Manager

    Mark Crowest

    London, UK

    Frances Swaisland

    Claims manager

    Frances Swaisland

    London, UK

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