Commercial Property & Liability

Timothy Simpson-LeeDirector, Commercial PlacementT. 020 3984 42552 Minster Court, Mincing Lane, London, EC3R 7BBContact & More Info
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Our experienced Commercial team has strong market relationships

The team brings many years of London Market experience in the Commercial Property & Combined Liability sector. We use our in-depth knowledge of the market to source coverage to suit your clients’ needs. We believe that one-to-one discussion with insurers obtains the best results, allowing us to negotiate competitive terms and to better tailor specific coverage.

Property

Target businesses include:
Risks that fall outside Provincial Insurer or Composite Market appetite.

  • Unoccupied or Vacant Premises
  • Nonstandard Construction
  • High Hazard or Complex Trades
  • Distressed Risks
  • DSS / Asylum / Bail Hostels
  • Detrimental History (convictions, liquidations & insolvency, HSE prosecutions)
  • Multi-tenure
  • Substantial Sums Insured
  • Follow Market Capacity
  • Excess Layers

Target sectors include:

  • Manufacturing
  • Warehouses
  • Engineering
  • Fabricators
  • Retail
  • Real Estate, Office and Apartment Blocks
  • Hotels

Available coverages include:

  • Bespoke Wording
  • Wider Perils
  • First Loss Limits
  • Policy Extensions
  • Terrorism
  • Property Owners Liability

Liability

Target businesses include:
Risks that fall outside Provincial Insurer or Composite Market appetite.

  • Unoccupied or Vacant Premises
  • High Hazard Trades
  • Safety Critical Products
  • Medical Device Suppliers
  • Construction
  • Distressed Risks
  • Detrimental History (convictions, liquidations, HSE prosecutions)
  • Larger Limits of Indemnity
  • Excess Layers
  • US Exposures
  • Food Manufacture

Target sectors include:

  • Contractors & Construction Sector (including builders, demolition, civil engineers, formwork, ground workers, piling and underpinning)
  • Manufacturers (including aviation, motor, oil & gas components)
  • Wholesalers
  • Fabricators
  • Precision Engineers
  • Life Science Suppliers
  • Offshore & Marine Work
  • Engineers (including airside, rail & marine)
  • General High-Risk Trades (including foundries, stevedores, slaughter houses and steeplejacks)

Available coverages include:

  • Employers Liability
  • Public Liability
  • Products Liability
  • Property & Landowners Owners Liability
  • Excess of Loss Liability
  • Non-negligent Liability (6.5.1)
  • Environmental Impairment Liability
  • Product Recall

Contractors all risks, plant & equipment

Target trades include:

  • Piling Contractors
  • Underpinning
  • Excavation
  • Tunnelling
  • Wet Work, under, over or adjacent to water
  • Civil Engineers
  • Groundwork
  • Demolition Contractors
  • Rail Workers
  • Building Contractors
  • Work in or on Aircraft or Water going vessels
  • Work on Listed Buildings, Basements and Bridges
  • Overseas Contracts

Available coverages include:

  • Contract Works (Permanent & Temporary)
  • Third Party Liability
  • Owned Plant
  • Hired in Plant
  • Continuing Hire Charges

Extensions and enhancements include:

  • Existing Structures
  • Thirty-Six-month Policies
  • Timber Frames
  • DE4 and DE5
  • Delayed start up
  • Increased Contract Value
  • Non-Negligent 6.5.1 Liability
  • Machinery Movement
  • Employees Tools
  • Debris Removal
  • Public Authorities Reinstatement
  • Offsite Storage
  • Plans and Specifications
  • Recovery Costs of Materials and Plant
  • Show House Contents
  • Speculative Development
  • Work Not Under Contract