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Marine & Aviation
The marine & aviation business unit embraces the traditional focus of the Hardy business.

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Property Treaty
The property reinsurance account focuses on excess of loss programmes in the US and internationally. Business is written from London, Bermuda and Singapore.

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Non-marine property
This account comprises direct and facultative property insurance and reinsurance of both industrial and commercial risks (mines, factories, refineries, commercial property portfolios), contruction and residential and small commercial risks.

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Specialty Lines
This business unit continues to provide considerable diversification to Hardy's overall risk profile and, accordingly, provides benefits from a capital perspective.

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LondonHardy (Underwriting Agencies) Limited manages syndicate 382 at Lloyd's. It is organised into four business units: marine & aviation, non-marine property, property treaty and specialty lines, underwriting a broad range of risks on both an insurance and reinsurance basis.

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GuernseyHardy Guernsey Ltd (HGL) is an insurance and reinsurance company based in St Peter Port, Guernsey. HGL was established in January 2011 in order to facilitate the development of a book of kidnap and ransom insurance. HGL offers a broad range of products within the kidnap and ransom sector including but not limited to kidnap, extortion (physical and property damage), hijack and wrongful detention.

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BahrainHardy Arig Insurance Management ('HAIM') is a joint venture company domiciled in Bahrain. Its ownership is shared by Hardy Underwriting Bermuda Limited and the Arab Insurance Group (ARIG), Bahrain. It is authorised to accept reinsurance business as a coverholder of Hardy Syndicate 382 at Lloyd's and ARIG. HAIM's primary focus is writing large scale con struction and onshore energy business from the Middle East and Afro-Asian markets.

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SingaporeHardy Underwriting Asia Pte Ltd is an MGA coverholder company, which trades on behalf of Hardy Syndicate 382. The establishment of Hardy Underwriting Asia Pte Ltd ("Hardy Asia") within the Lloyd's Asia platform recognises the growing significance of the Asia Pacific economies generally, and the ability of local markets to retain increasing amounts of insurance and reinsurance risk. Underwriting commenced in December 2010 and the medium term strategic objective is to develop a diversified portfolio of risks in line with Hardy's market sector focus.

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ChicagoHardy's parent company, CNA Financial Corporation, is based in Chicago with offices throughout the US and Europe.

Combined ratio
11120.9%
1094.7%
Gross written premium
11£268.4m
10£279.4m
Basic earnings per share
(67.5p) 11
10 18.6p
Post tax return on equity
(22.6%)11
106.3%
Syndicate 382 2012 Stamp capacity: £ 330.0m.
Press Releases: 02/07/14: Hardy Appoints Anna Maria D'Hulster as Non-Executive Director  |  14/05/14: Hardy appoints new Head of Casualty Underwriting  |  19/02/14: Hardy Appoints David Brosnan Chief Executive  |  19/12/13: Hardy Appoints David Stevens Director to Board and Chief Financial Officer  |  21/10/13: Hardy makes senior appointment to its property treaty business  |  16/07/13: Hardy appoints Heather Thomas as Non-Executive Director  |  18/06/13: Hardy appoints Head of Reinsurance  |  30/05/13: Hardy appoints new Head of Claims  |  13/05/13: Construction consortium enables Lloyd's to lead insurance of world's largest construction projects  |