Business Details
50+ Years
experience
Your Trusted Partner for Comprehensive Insurance Solutions
Established in 1919, we are a globally recognized insurance provider with a century-long commitment to delivering tailored risk management solutions. Our expertise spans commercial, reinsurance, and retail insurance sectors, supported by a network of 2400 offices across 28 countries. With a solvency ratio of 1.66 and an asset base exceeding 9.469 billion, we combine financial strength with market responsiveness. Our team of specialist underwriters creates bespoke policies for businesses ranging from SMEs to multinational corporations. Operating from London's Lloyd's Building since 1921, we maintain direct relationships with major international brokers while prioritizing local market needs.Our 17,000 employees serve 12 million customers worldwide through innovative products including property treaties, catastrophe coverage, and aggregate excess loss solutions. We demonstrate expertise in facultative reinsurance with flexible capacity structures up to USD 12.5m per programme. Our authoritativeness is reinforced by regulatory compliance with PRA, FCA, and international underwriting standards. Trust is built through transparent claims processing via London XIS bureau and a 96-year history of adapting to market dynamics while maintaining our core principle: 'Ensuring peace of mind'.
Services
Commercial Insurance
Reinsurance
Property Insurance
Business Combined Policies
Treaty Underwriting
Details
- Year established: 1919
Highlights and features
- We maintain a solvency ratio of 1.66 with an asset base exceeding 9.469 billion
- Our 17,000 employees serve 12 million customers across 28 countries
- Direct underwriting presence in London since 1921 with global treaty networks
- Flexible capacity structures up to USD 12.5m per reinsurance programme
- Specialist underwriters create bespoke policies for unique business needs
Associations and certifications
- Prudential Regulation Authority (PRA)
- Financial Conduct Authority (FCA)
Services
Commercial Insurance
Tailored insurance solutions for SMEs including property, liability, and business interruption coverage. Available through UK broker networks with flexible policy terms. Combines essential protections in single documents for operational efficiency.
Property Reinsurance
Global property reinsurance with facultative and treaty options across 26 countries. Offers catastrophe coverage, aggregate excess loss, and stop loss products with capacities up to USD 12.5m per programme for quality risks.
Business Combined Policies
Comprehensive packages combining multiple business insurance needs into single policies. Covers property, liability, and operational risks while allowing focus on core business activities without unexpected disruptions.
Treaty Underwriting
International property treaty solutions including pro rata, excess loss, and catastrophe treaties. Operates across Europe, Asia Pacific, and Middle East regions with flexible capacity structures for diversified risk portfolios.
Facultative Reinsurance
Specialized facultative reinsurance for industrial and commercial properties with adaptable structures including quota share and loss limit options. Prioritizes medium-risk industrial assets with substantial value spreads.
People
Girija Subramanian
Chairman-cum-Managing Director
Leading the world's largest non-life insurer with strategic vision for global expansion while maintaining financial stability and customer-centric insurance solutions.
Questions
What types of commercial insurance do you offer?
We provide Business Combined, Property, Care Homes, Hotels, Retail, and Office insurance policies tailored for SMEs through our UK broker network.
Do you handle international reinsurance?
Yes, we underwrite property reinsurance globally with capacities up to USD 12.5m, operating treaties across Europe, Asia Pacific, and the Americas.
How can I make a claim?
Contact our Birmingham claims office directly or through your broker for prompt processing via our London XIS bureau system.
Are you regulated by UK authorities?
We are authorized by the Prudential Regulation Authority and regulated by both PRA and Financial Conduct Authority in the UK.
What's your financial strength?
With a solvency ratio of 1.66 and assets exceeding £9.469 billion, we maintain strong financial stability for policyholder security.
How do you handle bespoke insurance needs?
Our specialist underwriters create customized policies addressing specific business risks, including unique capacity structures and coverage combinations.
