UK Commercial Motor

Our Commercial Motor products are flexible enough to meet the needs of all UK businesses, regardless of size or industry sector. Our specialist knowledge of the fleet, bus and coach, haulage and public/private/self-drive hire sectors enables us to provide a wide range of cover options for Brokers and clients.

We operate through a preferred Broker network and have been writing motor business since the 1930s through three Lloyd’s syndicates: Paladin, Anchor and RB Motor Policies. In 1994, these combined to form Wren Motor Policies, which is now part of Brit Insurance.

Financial Institutions

Our financial institutions insurance covers institutions against crime, professional indemnity and directors and officers liability exposures. The team writes risks around the world with an emphasis on well-regulated jurisdictions.

We’re leaders in the standard Financial Institutions insurance lines. Clients range from the smallest family business to global financial institutions and insurance companies.

Institutions covered include commercial, retail and investment banks, asset managers, stockbrokers and insurance companies. We also offer commercial crime coverage covering employee fidelity for non-financial organisations.

Benefits

We have a strong team of experienced Financial Institutions underwriters with a combined experience of over 80 years in the class. Each underwriter specialises in a specific region and class.

We have a suite of Brit Insurance-specific products and can tailor bespoke coverage to match an individual client's needs.

Legal Expenses

We write Before the Event (BTE) and After the Event (ATE) legal expenses business. Our primary focus is the UK but we also specialise in Canada and Australia. Our ATE and BTE business is for both personal lines and commercial enterprises.

Our UK business is only written through specialist legal expenses intermediaries. In Canada and Australia we support general Lloyd’s approved intermediaries to enhance their product offerings on a retail and wholesale basis.

We also specialise in structured arrangements (through standalone or protected cell captives) for intermediaries, specialist agents and affinity groups, providing them with the opportunity to share in the underwriting results. Our unique products are tailored to our clients’ needs.

Benefits

Legal Expenses insurance provides access to advice and cover for the legal costs of pursuing or defending certain classes of legal action. It is available to both individuals and companies.

Insurance can either be provided on a BTE basis, by adding cover to a household, motor or general commercial policy. For certain classes of action, we can provide it on an ATE basis, covering the other side’s costs for an event that has already occurred, such as a personal injury, contract dispute or insolvency litigation

Directors & Officers (UK)

Our policy is designed to meet the needs of every private limited company. There is no specific industry target base and each risk is evaluated on its own merits. The policy automatically extends world-wide (excluding USA) allowing those clients with overseas subsidiaries the benefit of this protection. It avoids a standard list of exclusions; any exclusions or extensions are specific to the risk presented.

We offer limits ranging from £100,000 to £10m.

Benefits

Key cover highlights include
- A non rescindable policy wording
- 100% allocation of defence costs in any action where a director or officer is named in the action
- Broad investigations costs cover with no ‘wrongful act’ trigger
- Additional non executive director cover automatically included
- The policy wording does not include automatic exclusions in respect
of ‘future offering of securities’; ‘professional services’ or a ‘major
shareholder exclusion’
- Simple, easy to understand language backed up by assistance from
your local office.

In addition to the core wording our policy may be extended to provide the company with

• Employment practice liability cover
• Corporate manslaughter and Homicide Act cover
• Corporate entity cover

Professional Risks

Our portfolio encompasses Professional Indemnity insurance which protects a professional against liability arising from negligent advice and Directors and Officers cover which protects directors and officers against liability arising from a breach of duty in their role as a director or officer.

We offer one of the broadest underwriting appetites in the market, covering both the established professions and more unusual risks such as archaeologists, laboratories and even pet behaviour therapists. Our established team of experienced underwriters provides a trading solution through our network of UK offices or through our Lloyd’s Syndicate. We are able to write risks on a primary or excess layer basis and can co-insure larger placements. As well as underwriting risks on an individual basis we work with many specialist coverholders in constructing market leading schemes.

For more details, please follow the links to our separate pages for Professional Indemnity and Directors and Officers.

Nuclear

Coverage is mainly provided to nuclear power stations, fuel fabrication and reprocessing facilities, including physical damage, radioactive contamination and clean-up and a restricted amount of terrorism and third party liability.

Energy

Underwritten by our London team and Houston partners, we offer products for the oil, gas and energy-related industries around the world. Our underwriting team offers both lead and follow line capabilities for subscription market placements and 100% line product insurance options in specific classes of business.

Benefits

Our extensive product offering and integrated team structure allows us to apply our expert knowledge to clients’ needs. We regularly employ petroleum and chemical engineers to aid product development.