Appetite

Property & Combined Risks

Focus: Solutions for non-standard Property risks.

Minimum premium: €5k + levy.

Target sectors:

• Accommodation, leisure & entertainment: bars & hotels,
guesthouses, holiday hostels, holiday villages & resorts,
restaurants & cafes, sports & leisure centres, gyms, cinemas &
theatres, exhibition venues, music venues, galleries & museums,
amusement arcades & casinos, snooker halls & sporting clubs

• Food manufacture & processing: meat processing, abattoirs,
fish processing, vegetable processors, bakery, coffee importers
& roasters, dairy production, egg production, drinks & beverages,
breweries, distilleries, health food supplements, pet food

• Manufacturing: metal products manufacturing (steel, aluminium,
light engineering risks), clothing & textile manufacturing,
cardboard & packaging manufacturing, uPVC windows/doors/
conservatories, manufacturing, electrical equipment, computer
& hardware

• Retail: clothing stores, convenience stores, petrol stations, shopping centers, supermarkets etc.

• Specialist: tyre wholesalers, woodworking risks (kitchen,
wardrobe & furniture manufacture etc.), industrial or commercial
laundries, refugee & other emergency accommodation where the
proposer is operating the business

• Strict property owners: (owner not involved in any business
operating from the premises) apartment blocks, office buildings,
multi-occupancy units, shopping centre owners, property owners
of warehouse or manufacturing premises, premises occupied as
refugee or emergency accommodation, unoccupied properties

• Warehouse, sale & supply: food & beverage, clothing & footwear,
toys, electrical goods, tiles & building products & bathroom suites,
computers & electronics, furniture, carpets, paints, haulage, storage
& freight involved in non-hazardous goods

Note: This includes non-standard construction buildings, high fire risk occupations, large risks, or risks with claims. We can consider
Excess of Loss insurance where sums insured are over our maximum total sum insured limit of €10m.

If you have risks outside our main appetite or risks with claims, we may be able to offer a quotation and would welcome a discussion.

Required to quote:

• Broking submission
• Verified five years claims experience
• Any survey reports

Motor Fleet

Capacity: A-rated capacity by Aioi Nissay Dowa Insurance Company of Europe SE (AND-E).

Summary: Car and van fleets with larger commercial vehicles considered. Minimum fleet size of three cars and/or vans and/or larger HGV
combinations. In addition to the trades mentioned below, we are also open to the right waste and hazardous goods enquiries.

Target trades:

• Building industry
• Contractors
• Engineering

• Finance industry
• Manufacturing

Note: No appetite for international haulage, taxis, couriers, airside, fast food delivery or self-drive hire.

Key fleet features:

• Comprehensive cover (reduced to third-party only for special
types)

• Open driving from age 21 with full EU/UK license for at least one
year available (younger drivers considered case-by-case)

• Minimum three years of fleet or No Claims Discount experience
(we can help on cases transferring from sole trader to company
or other circumstances where companies split)

• Any modifications, high-powered or high-value vehicles to be
advised within the submission as different terms and conditions

Required to quote:

• Broking submission
• Vehicle list including gross vehicle weight of HGVs
• Minimum three years verified claims experience