Europe + UK Commercial Division

Allied World’s UK Commercial Division has been formed to provide commercial products to a wide range of UK businesses. The division provides one solution for all of your client’s insurance needs, whether you are requesting coverage for a single product or a multitude of coverages. All with the convenience of a single point of contact for claims and underwriting, enabling a swift and accurate response to any queries that may arise.

The UK Commercial Division is comprised of a specialist team of underwriters and claims technicians who possess a wealth of industry experience and their commitment to delivering a first-class service has led to our reputation for excellent working relationships and professional standards.

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Commercial Combined

Policy types

  • Property Only
  • Property and Business Interruption
  • Property, Business Interruption and or EL & PL
  • Combined Liability
  • Full Combined Package

Client footprint

  • UK domiciled businesses
  • 100%/Lead/Follow
  • Min. Premium £10,000 plus IPT
  • Turnover Up to £100,000,000
  • Max TIV Location £40,000,000
  • Max TIV Policy £250,000,000
  • PL Limit of Liability £10,000,000
  • EL Limit of Liability £10,000,000

Appetite

  • Offices, Professional Services, Retail
  • Hotels, Hospitality & Leisure (timber floors require enhanced protections)
  • Manufacturing – Metalworking, Engineering, Electronics, Plastics, Light Woodworking, Textiles, Printing, Paper products
  • Food and Drink
  • Warehouse and Distribution

Classes that fall outside our risk appetite include Self Storage, Waste and Recycling, Amusements/Fairgrounds and Piers, Nightclubs, Sawmills / Pulping and Paper Mills, Oil / Petrochemicals / Pharma / Chemical Risks, Mining/Quarries, Offshore Working

Underwriting strategy

  • Building long-term and reciprocal relationships with our brokers and clients
  • Delivering commercial underwriting expertise, excellent service and responsiveness
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Contractors All Risks (CAR)

Our comprehensive policy provides coverage for accidental physical loss or damage that occurs to a property insured during the construction period. Drawing on their technical knowledge, our experienced underwriters are able to consider a variety of risks.

Appetite

  • Building contractors and allied trades, new build, maintenance, alteration and repair
  • Contract Works and/or Plant only risks
  • Developers and conversions including Single Projects – traditional and modern construction methods

Trades that fall outside our risk appetite include Roofers and Scaffolders, Demolition, Asbestos Contractors and Piling Contractors

Underwriting Strategy

  • Building long-term and reciprocal relationships with our brokers and clients
  • Delivering commercial underwriting expertise, excellent service and responsiveness
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Professional Indemnity

Client footprint

  • UK domiciled businesses
  • Min. Premium £5,000 plus IPT
  • Max Limit £5,000,000

For the majority of risks, if we are writing a risk 100%, we only write a max line of £2M on the Primary layer.

Appetite

  • Architects
  • Engineers
  • Design and Construction
  • Accountants
  • Surveyors
  • Miscellaneous and risks that we can underwrite creatively

Professions that fall outside our risk appetite include valuations for lending, Geotechnical / Soil (including foundations and underpinning works), Solicitors, IFAs and Financial Services exposure

Underwriting strategy

  • Building long-term and reciprocal relationships with our brokers and clients
  • Delivering commercial underwriting expertise, excellent service and responsiveness
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Property Owners

Client footprint

  • UK Domiciled Businesses
  • Min. Premium £5,000 plus IPT
  • Standard Max TSI £40,000,000 any one location
  • PL Limit of Liability £10,000,000
  • EL Limit of Liability £10,000,000

Appetite

  • Offices, Professional Services, Retail
  • General Commercial, Manufacturing, Warehouse and Distribution
  • Hotels, Hospitality & Leisure
  • Blocks of flats and Residential Properties
  • Unoccupied Properties (non-combustible)
  • Mixed Commercial and Residential portfolios

Properties that fall outside our risk appetite include Waste and Recycling, Amusements / Fairgrounds and Nightclubs, Sawmills / Pulping and Paper Mills, Oil / Petrochemical / Pharma / Chemical Risks, Stately Homes, Grade 1 Listed Buildings, Timber floored buildings exceeding £5M sum insured.

Underwriting strategy

  • Building long-term and reciprocal relationships with our brokers and clients
  • Delivering commercial underwriting expertise, excellent service and responsiveness