30 years of client care & protection
The longevity and commitment of the scheme insurer is critical to its success, to ensure consistent, sustained underwriting and to provide efficient service to brokers.
Whilst our competitors have changed insurers many times over the last 3 decades, we have had a delegated underwriting partnership with QBE since our formation in 1989 - we don’t think there are many schemes that can boast that strength of relationship. We are mindful that any successful scheme must deliver not only competitive rates, but also consistently meet the insurers’ expectations.
This long term approach means we have always been able to offer brokers cover for their clients throughout the peaks and troughs of the underwriting cycle, so you can be sure that when you use us to place your clients’ insurance, the policies are backed by one of the most stable liability insurers in the market.
We have delegated authority from QBE for all our products that they underwrite, but when a risk falls outside of that authority, we have quick and easy access to QBE underwriters as required. The underwriters hold weekly surgeries in our office for our team to discuss the more complex issues face to face.
As at May 2024, QBE have a Standard & Poor financial strength rating of A+. If you would like further information about QBE, visit QBE at a Glance.
We also have some additional products provided by Aviva Insurance Ltd – these are also backed by a delegated authority arrangement. Aviva provide the capacity for our Facilities and Interiors schemes, which have been set up to enable us to expand our product range and allow us to meet the long-term needs of our clients with innovative, customer-focussed solutions.
As at July 2024, Aviva have a Standard & Poor financial strength rating of AA-. For more information, visit Aviva.
Where your clients require higher limits of indemnity and QBE are unable to provide all the capacity required, we have an exclusive arrangement with AXA XL Insurance Company UK Limited who provide excess capacity which follows the unique cover we provide with QBE. AXA XL also underwrite our Airside & Aviation Products Liability cover.
This link will take you to the AXA XL website for further information.
As at November 2024, AXA XL have a Standard & Poor financial strength rating of AA-. For more information, visit AXA XL.
“The support was there from day one - which was brilliant, as we didn’t know how to claim. We had more than enough information and they wanted to help.”
We are committed to conducting our business in a responsible and sustainable way, through and through: our people, our communities, our environment.
We welcome all enquiries from new brokers. If you haven’t dealt with us before, just email us today for a log-in which will allow you access to our Broker Portal.
Although we do not deal directly with clients, we can help you find your ideal local broker who will access our niche products for you on a wholesale basis.
When considering Business Interruption coverage, it's crucial for commercial insurance clients to carefully assess their business operations, potential risks, and the specific needs of their industry to determine the appropriate indemnity period for their policy.
With the support of QBE, we have re-launched our Facilities Management scheme as Facilities and Specialists contractors, to better reflect our wider risk appetite.
In conjunction with QBE, we've put together some guidance following the recent Business Interruption FCA Test Case Supreme Court Ruling
We are pleased to announce that any quotes or renewals issued from today will be offered on our new SSR Combined product – which combines our online and offline products onto one, easy-to-use e-traded system.
QBE has developed a new toolkit to support businesses as they continue restarting their operations following the Covid-19 shutdown.
How can policyholders use terms and conditions within their contracts to limit liability in the event of a claim?