Syndicate 382
We are the market leaders in many business lines with specialist underwriting expertise and providing capacity where brokers and clients need it most. 
- Patrick Gage, Director
Hardy underwrites aviation, marine and a broad range of non-marine risks on both a reinsurance and direct basis. The chart below shows the mix of business at the main business unit level. A more detailed split is shown in the individual sections of this page.
Click to enlarge
The four business units were established after the merger of Syndicate 38Twenty into Syndicate 382 for the 2009 year of account.
Hardy underwriters have a strong commitment to technical pricing. This can lead to fluctuations in income from year to year, but, importantly, offers brokers and clients a consistency of approach to pricing and excellent security for future claims payment.
It is this underwriting-led approach that has enabled Hardy to build a strong reputation as a respected leader across the portfolio.
Clients are offered a long-term, stable and secure underwriting partner, with prompt claims payment and service excellence being at the heart of the philosophy.
