Our Business
In 2011, the underlying performance of the marine and aviation, specialty lines and non-marine property business units was profitable. There are now clear signs of improved rating, particularly in the property classes of business and with a 2012 business plan that has a strong bias towards these lines, we are well positioned to exploit market opportunity. 
- David Mann Chairman
Hardy's fundamental principles are technical rating expertise, prudent reserving and cycle management.
A key part of our strategy is to grow the traditional classes of business along with the newer non-marine classes that we have added in recent years. These classes are important, both in their own right and in the balance that they provide against aggregations of our catastrophe exposures. We remain focused on core lines but will add to these where see a clear potential for profit.
We are committed to delivering the selective growth that is needed to maximise the potential of Hardy for the benefit of all of our stakeholders.
© Hardy Underwriting Bermuda Limited
