Overview
Our Commercial Casualty solutions are built on a foundation of core liability protections, tailored structures, and deep sector expertise. Whether you're a multinational corporation, a large manufacturer or a logistics provider, we offer the flexibility and support to meet your evolving risk needs.
Our underwriters understand that a “one size fits all” approach doesn’t work. We work in partnership with brokers and clients to design bespoke programs tailored to their individual requirements and specific complexities, giving clients the confidence that they have the right cover in place to protect their business and staff should things go wrong.
Core Coverage
We provide Casualty solutions for Primary and Excess of Loss, across Employers Liability, Public Liability and Products Liability, for businesses domiciled or headquartered in the UK, with limits up to £25m.
Our casualty products are built around four essential pillars:
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Employers’ Liability
Covers injury, disease or death suffered by employees as a result of their work.
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Public Liability
Protects against third-party injury, death, disease, or property damage arising from your services, operations or premises.
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Products Liability
Covers injury or damage caused by defective products used by customers or third parties.
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Pollution Liability
Covers sudden and accidental pollution events resulting in third-party injury, third party damage or accidental nuisance that could be caused by storage or usage of substances, gases, or fuels.
To find out more about Casualty solutions for companies headquartered outside of the UK, please refer to our Lloyd’s capabilities.
Why do businesses choose us?
Flexible underwriting and programme design
We have capabilities spanning guaranteed cost through to loss sensitive and risk sharing program structures including non-conventional, captive, large deductibles and self-insured retentions.
- Primary cover with or without deductibles
- Large deductibles or Self-Insured Retentions (SIRs)
- Support for Employers’ Liability deductibles, including financial and collateral reviews where required
Our team works closely with clients to understand credit risk through our financial process and our Risk Control team can help clients manage their retained risks effectively.
Strong claims and risk control partnerships
Risk Control
Our dedicated Risk Control team helps clients identify exposures before they become claims. Using cutting edge technology and deep industry expertise, our Risk Control consultants offer systematic, sustainable solutions that can help companies mitigate risk and protect their bottom line.
Claims
Casualty claims can be highly complex. Our experienced team has the expertise, local jurisdictional knowledge and catastrophic claim proficiency to provide high standards of support and service for every policyholder.
For clients with large deductibles or SIRs, we offer:
- In-house claims handling support
- Access to a panel of trusted third-party adjusters, lawyers and lost adjusters
- Seamless integration with your internal claims processes
Our panel of trusted third-party loss adjuster and law firm partners can provide bespoke solutions for non-conventional and loss sensitive program structures.
Deep expertise in complex, multinational casualty risks.
Our dedicated International Solutions team write across over 160 countries and territories worldwide, ensuring global covers are placed efficiently and are fully compliant with local requirements. The state-of-the-art CNA ComPassTM technology platform gives clients real time access to view and manage their local admitted placements worldwide in real time.
Proven support for captives and retained risk structures
We also support clients with captive insurance arrangements, including:
- Acting as a reinsurer to FCA-regulated captive insurers
- Providing excess capacity above captive limits
- Flexible structures tailored to your captive’s needs