At About usCommercial wework together for yoursuccess, preparing you forwhat’s ahead.
About usCommercial in the United Kingdom
At About usCommercial wework together for yoursuccess, preparing you forwhat’s ahead.
Management team contacts
About usCommercial offerings in the United Kingdom
Please see the policy wording for further details.
Corporate & Specialty SE (AGCS)
Alternative Risk Transfer
Corporate & Specialty SE (AGCS)
Airlines Insurance
Corporate & Specialty SE (AGCS)
General Aviation Insurance
Corporate & Specialty SE (AGCS)
Aerospace Insurance
Corporate & Specialty SE (AGCS)
Cyber insurance
Corporate & Specialty SE (AGCS)
ProductionInsurance
Corporate & Specialty SE (AGCS)
Live Events & SportsInsurance
Corporate & Specialty SE (AGCS)
Directors & Officers (D&O)
Insurance | Large businesses
Corporate & Specialty SE (AGCS)
Professional Indemnity
Insurance
Corporate & Specialty SE (AGCS)
Financial InstitutionsInsurance
Financial Lines Insurance | Mid-sized businesses
Digitally traded products | SME customers
Corporate & Specialty SE (AGCS)
General Liability
Insurance
Corporate & Specialty SE (AGCS)
Environmental Liability Insurance
Corporate & Specialty SE (AGCS)
Clinical Trials
Insurance
About usInsurance plc
Commercial combined solutions | Mid-sized businesses
About usInsurance plc
Digitally traded products | SME customers
Corporate & Specialty SE (AGCS)
Marine Hull and LiabilityInsurance
Corporate & Specialty SE (AGCS)
Marine Cargo
Insurance
| Large businesses
About usInsurance plc
Digitally traded Marine Cargo | Small- to mid-sized businesses
About usInsurance plc
Motor Fleet
About usInsurance plc
Motor Trade
Corporate & Specialty SE (AGCS)
Natural Resources & Construction Insurance| Large businesses
About usInsurance plc
Construction insurance |
Mid-sized businesses
About usInsurance plc
Renewable power | Mid-sized businesses
About usInsurance plc
Engineering solutions | Mid-sized businesses
Corporate & Specialty SE (AGCS)
Property
Insurance
Corporate & Specialty SE (AGCS)
Political Violence and Terrorism Insurance
About usInsurance plc
Commercial combined | Mid-sized businesses
About usInsurance plc
Digitally traded products | SME customers
Trade credit insurance and surety bonds
About usCommercialis part of one of the world's strongest financial services groups and the.When you partner with us, you partner with About usGroup — and its sister companies.
ThroughAbout usTrade, we offer a comprehensive range of solutions for managing commercial credits between companies. About usTrade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, debt collection, fraud insurance, structured trade credit and political risk.
About usTrade gives companies the confidence to trade, and be paid: They compensate your company in the event of a bad debt, but more importantly, they help you avoid bad debts in the first place.
Whenever About usTrade provides trade credit insurance, surety bonds or other finance solutions, the priority is on predictive protection. Its international surveillance network monitors and analyzes the financial stability of 83 million companies across all sectors in 160+ countries. And when the unexpected happens, their AA credit rating (Standard and Poor’s) means they have the resources to provide compensation to maintain your business.
Risk appetite for large corporate risks in the United Kingdom
The products and services described on this page may not be available in all locations. This is for your general information only.
Actively Growing
Structured multi-year/multi-line solutions
- Address gaps caused by non-availability of traditional cover, e.g., Commercial Auto, Property, D&O
- Often contain elements of risk financing/profit sharing, for clients who want to retain risk, but still need to manage volatility
- Bespoke solutions that manage risk in an integrated way across lines and years
- Long term arrangements, but able to adapt as needs change
- Captive Solutions
- Multi-line and multi-year global fronting as a stand-alone service
- Structured per event and aggregate excess of loss captive reinsurance
- Virtual Captive Solutions
- Insurance framework designed to create the economic benefits of a captive, when an actual captive is not a viable option
Coverage
- Broad range of P&C lines of business or a combination thereof
- Can include both traditional and non-traditional elements, including parametric triggers
- Global Fronting capability expands across 200+ countries and on a multi-line and multi-year basis, if needed
- Transactions up to 5 years tenure
- Capacity typically €25m per occurrence, €50m per annum (or equivalent in other currency), but can be lower or higher depending on structure
- Risk Financing structures work best where traditional RoL > 10% and/or when the cost of combined average claims in the long term is significantly lower than the equivalent external premium spend
Restricted
- Reinsurance for insurance companies
- Financial risks coverage; e.g. mortgage portfolios, capital relief
- Unmitigated credit risks
- Life insurance
- Business and systematic risks
Lead market
Growth Focus
- Airlines
- Selectively Increased line sizes
- New business (especially as Lead)
- Start-up airlines
- Broad appetite to grow across portfolio
- General Aviation
- Selectively increased line sizes
- Co-insurance business
- Commercial fixed and rotor wing
- Industrial aid
- Broad appetite to grow across portfolio
- Aerospace
- Increased line sizes
- Broad appetite to grow across portfolio
Coverage & Capacity
Airlines: Average target line 10%
General Aviation: US$ 300m (Liabilities), US$ 75m (Hulls)
Aerospace: MR OEM and GA OEM max line 10% NMR US$ / € 200m
Restriction
Airlines: Banks and Lessors Contingent; Hull Deductible; and Hull War
General Aviation: Hi/Lo business; Agriculture; Stand Alone Hull War
Actively Growing
- Pharmaceutical
- Medical Device
Capacity
- Up to €50m for Multi-Center Trials
Coverage
- Indemnity to the insured as “trial sponsor”, including pharmaceutical companies and contract research organisations
- Liability for injury to a trial participant, including no-fault compensation where required
- Coverage can be provided for the full length of the trial
- Fully admitted policies in each territory in local language
- Compliance with the local level of cover in all territories
Cautious
- Trials involving pregnant Women
- Xenotransplants
- Gene Therapy
- Cell Therapy
- Pure surgical procedures (where no drugs nor medical devices are tested)
- Trials involving the deliberate transmission of infectious
agents to participants
Actively Growing
- From smaller and to large size companies with international subsidiaries
- Offering across all Industries for both private and public companies
- Primary and excess positions
- Broad product offering including standalone PTL, POSI and Crime solutions
Coverage
- Directors and Officers Liability inclusive of Side A
- Employment Practices Liability (EPL)
- Pension Trustee Liability (PTL)
- Crime
Capacity
- Up to €25m
Cautious
- Standalone POSI
- SPACs
Appetite
EAR/CAR - Course of Construction
- Annual Policies / Open Covers (Contractors, Owners / Principals)
- Civil Engineering projects
- Buildings
- Manufacturing plants (all industries)
- Oil & Gas (excluding Oil Sands)
- Above Ground Mine development (excluding thermal coal)
- Utilities
- Conventional Power
(excluding coal) - Renewable energy
(Onshore Wind, PV, Hydrogen)
Limited appetite
- Coverages
- High Nat Cat areas (single risks and accumulation with open covers)
- High DSU exposures
- Unproven technologies
- Battery Storage
- Geothermal power plants
(above ground only)
CECR
- Civil Engineering structures
- Occupancies
- Waste to Energy
- Biomass
- Hydro Power
- Underground mine development
- Timber / Wood frame construction
IDI
- Commercial IDI
No appetite
- EAR/CAR - Course of Construction
- Coal
- Oil Sands
- Solar Thermal power plants
IDI
- Residential IDI
Coverage & Capacity
- EAR/CAR - Course of Construction; Up to €200m
- Single Projects, Annual Policies/ Open Covers including TPL, CPE, DSU
- CECR / Operational Infrastructures (combined with CAR);Up to €200m
- Inherent Defect Insurance (combined with CAR);Up to €25m
- Inherent Defect Insurance
Actively Growing
- Selective growth appetite across virtually all industries, but with focus on per-account risk quality.
- Preference for excess positions.
Coverage
- Primary stand-alone Cyber
- Excess Cyber
- Technology PI
- Media PI
Capacity
- Up to €/£10m
Restricted
- Cryptocurrency
- Payment processors
- Pay day loan companies
- Air traffic controllers
- Adult entertainment
- Online gambling
- Central reserve banks
- Trading platforms and stock exchanges
- Social media platforms
- Music streaming
- Cyber Property Damage cover
Appetite
- Offshore Energy
- Oil and Gas E&P assets including FSPO/FLNG/FSRU
- Offshore Gulf of Mexico Wind
- Offshore Renewables
Onshore Energy
- Refining and Petrochemical assets
- LNG processing
- Chemical Fertiliser Plants
- Renewables
- Wind
- Solar PV
- Hydrogen
- Hydro
- Carbon Capture
- Conventional Power Plants
- Mining
Restricted/Limited appetite
- Thermal Coal
- Mine Tailings Dams
- Underground Mining
- Tar Sands
- Waste to Energy
- Geothermal
- Solar Thermal
- Stand-alone fracking
- Stand-alone drilling and
land-rigs - Stand-alone OEE/TPL
- Offshore Interconnectors
- Tidal Power
Coverage
- Offshore Energy
- Construction and Operational PD/BI/DSU/OEE/TPL
- Onshore Energy
- Operational PD/BI
Capacity
- Up to €/$200m
Actively Growing
- Global Advertising Wrap-up/DICE Insurance Programs
- Global Motion Picture / TV Programs
- Media Equipment
- Sports/Events Liability
- Theatrical and Global Conferences & Exhibition Programs
Risk appetite
- Production
- Motion Picture Studio Productions
- TV Production
- Independent Films
- Advertising Agency DICE Wrap-Ups
- DICE: Documentaries, Industrial, Commercials and Educational productions
- Post-production Facilities
- Live – Events & Sports
- Touring Entertainers
- Festivals
- Concerts
- Live Events
- Event Promoters / Producers
- Sport events/ teams/ leagues/ federations
- Corporate events/ fairs/ exhibitions
- Equipment rental
- Motorsport events/ teams/ associations/
governing bodies
Excluded
Types of Coverage
- Production Portfolio
- - Cast
- - Extra Expense
- - Props / Sets /Wardrobe
- - Miscellaneous Equipment
- - Media: Negative Film & Faulty Stock
- - Third Party Property Damage
- Inland Marine / Equipment Floater
- General Liability
- Umbrella / Excess Liability
- Workers’ Compensation / Employers’ Liability, Auto
- Property
- Foreign Package Liability
- Contingency:
- - Cancellation
- - Non-appearance
- - Transmission Failure
Actively Growing
- Large accounts and Middle market business in the following:
- Manufacturing/ Process Industries
- Energy (downstream)
- Construction (practice and projects)
- Real Estate
- Retail Trade
Coverage
- Premises Pollution
- Contractors Pollution
Capacity
- Up to €25m
Restricted
- Mining
- Offshore
- Nuclear
- Hydraulic fracturing
- Fireworks/fertilizer production
- Clean-up cost cap/ finite risk
- Oil pipeline/waste disposal sites written as such
Actively Growing
- Broad appetite across Financial Services with focus on Banks Insurance companies and traditional asset managers
- Appetite for Large accounts and Middle market business
- Broad product offering including D&O, FIPI, FICRIME, EPL and PTL
Coverage
- FID&O
- FIPI
- FICRIME
- PTL
Capacity
- Up to €25m
Cautious
- Investment Banking and Stockbrokers E&O, REITS
- Cryptocurrency – digital assets
- ʴ’s
- EPL
- Aircraft leasing
Actively Growing
- Construction
- Pharmaceuticals
- Telecoms
- Product / High Tech Manufacturing
- Manufacturing & Automotive
Coverage
- Tailor made International Programs
- Primary and Excess layer
- Comprehensive wordings as
per market standard
Capacity
- Up to €100m, depending on trade and individual risks
Restricted
- Waste Disposal/Recycling
- Firearms
- Helmets
- Child Safety Seats
- Automotive Recall
- Amusement, Gambling & Recreation Industries
- Healthcare Providers
- Medical Malpractice (incl. Hospitals)
- Cannabis/Tobacco/E-Cigarettes
- Residential Real Estate
Actively Growing
- Complex business that requires local policies, risk controls and tailored underwriting/claims expertise
- Multinational and Captive Programmes
- Appetite for risks in a wide range of industries with a focus on risk managed accounts (e.g. manufacturers, importers/exporters and traders)
- Stockthrouput policies and transit programmes
- Project Cargo incl. Delay in Start-Up
Coverage & Capacity
- International Transit, Domestic Transit; $100mn
- Transi; $100m
- Stock through-put; $100m
- Project cargo, Delay in Start-Up
Tailored coverages with specialized wording linked to industry segments
Cautious
- International car accounts
- Live animals
More information
- Underwriting experts
- Our underwriters combine extensive Marine knowledge with a creative approach to risk to deliver imaginative, flexible solutions.
- Claims and recovery experts
- We maintain one of the largest and most knowledgeable Marine claims teams in the industry with many years of hands-on expertise involving all types of claims. The team are specialists in evaluating and providing solutions for Cargo claims ranging from simple losses to the most complex. We have dedicated recovery experts who look to achieve the best possible outcome for our customers.
- Marine Risk Control
- Our multidiscipline team of experienced risk control consultants, marine engineers, master mariners and logistics and supply chain security specialists provides technical expertise and proactive risk control solutions across a wide range of Marine risks and international cargo transportation.
Actively Growing
- Blue Water Hull
- Chemical / Product / Crude Oil Tankers
- LNG / LPG / LNP Carriers
- Offshore Supply / Support vessels
- Bulkers
- Container vessels
- Cargo carriers
- Marine Liability (Including Marine Property)
- General Marine Liability
- Port & Terminals including Marine Property
- Specialized binders and facilities
(e.g. super yachts, brown water, etc.)
Coverage
- Blue Water
- Brown Water
- Pleasure Craft
- Builder’s Risk
- Marine Liability(Including Marine Property)
Capacity
- $75m
Cautious
- Fishing Vessels
- Livestock carriers
More information
- Underwriting experts
- Our underwriters combine extensive Marine knowledge with a creative approach to risk to deliver imaginative, flexible solutions.
- Claims and recovery experts
- We maintain one of the largest and most knowledgeable Marine claims teams in the industry. Our claims professionals have many years of hands-on expertise involving all types of claims.
- Marine Risk Control
- Our multidiscipline team of experienced master mariners and marine engineers provide technical expertise and proactive risk control solutions to ship owners and the Marine industry.
A growing portfolio
- With a wide range of clients from SME’s to large international firms
- The ability to consider all professions within appetite
- Primary and excess positions available as well being a lead market
- Ability to support multi-product solutions in the construction industry
Professions & Capacity
- Accountants, Architects, Engineers, Contractors, Insurance Brokers, Management Consultants, Solicitors, Surveyors & Miscellaneous';€15m but up to €5m per client as standard
- Single Project Professional Indemnity;€10m but up to €5m per client as standard
- Key participant on Facilities and Delegated Underwriting
Limited appetite
- Financial Advisers / Financial Services
- Surveyors with valuations
- Waste to Energy
Actively growing
Service Orientated Occupancies such as:
- Financial & Professional Services
- Real Estate
- Public Sector & Education
- Hospitality & Leisure
- Retail Trade
- Airports, Transport & Logistics
- Healthcare
Manufacturing/Process Industries such as:
- Technology, Media, and Telecom
- Manufacturing and Metalworking
- Lifesciences and Cosmetics
- Beverages
Restricted
- Waste disposal/recycling
- Agriculture and forestry (incl. livestock/animal farms and growing/standing crops)
- Coal-based companies
- Food processing of meat products
Coverage
- All Risks and Natural Catastrophe Property Damage and Business Interruption
Capacity
- Up to €300m
Actively growing
- Commercial Real Estate
- Financial & Professional Services
- Manufacturing Industry
- Construction/Engineering projects
- Entertainment/Sport/Film
- Lifesciences and Chemicals
- Technology, Media, and Telecom
Restricted
- Airports and Aerospace
- Rail Operators/Public Transport
- Security Companies
- Nuclear Power Plants
- Religious buildings/Places of worship
- Governmental, Military and Police buildings
- Embassies and Consulates
- Mining
Coverage & Capacity
- Terrorism, Sabotage, SRCC, Rebellion, Revolution, Mutiny, Insurgency, Counter-Insurgency, Coup de état, Civil War & War;Up to €100mn
- Terrorism Liability (T3L)
- Terrorism Event Cancellation
- Active Assailant;Up to €50mn
- Nuclear, Chemical, Biological & Radiological Terrorism
Annual survey identifying business risks
About usRisk Barometer

Top 3 business risks in the UK in 2023
- Cyber incidents (40%) - 2022 rank: 1 (50%)
- Business interruption (37%) - 2022 rank: 2 (34%)
- Macroeconomic developments (34%) - NEW
Further information
About usGlobal Corporate & Specialty SE
About usInsurance plc
Find a local broker for your small- and mid-sized business risks.
Get in touch with our experts for your large business risks via email.
Our offices
London
EC3V 0HRLondon
United Kingdom
Guildford
Guildford GU1 1DB
United Kingdom