Non-Standard & Distressed Liability Insurance

Non-standard liability insurance is often placed into the Lloyd’s market due to the inherent underwriting challenges and policy limits required.

Non-standard liability insurance is often placed into the Lloyd’s market due to the inherent underwriting challenges and policy limits required. Our bespoke facility, backed 100% by Lloyd’s, has been designed to understand the risk profile of the insured to offer appropriate cover limits with primary and excess layers (excess of loss) where required, complete with award winning claims support and bespoke policy wordings.

Each risk is taken on merit to fully understand the exposures and the most appropriate underwriting approach, which allows our partner brokers to win and retain business – year on year.

Our facility is designed for a broad range of general liability, often ones where cover has been refused elsewhere (due to limits requires, international exposure or previous claims). 

Minimum Premiums:

GBP 10,000 (EL/PL)

GBP 7,500 standalone (PL/Products)

GBP 10m Primary for EL/PL

GBP 25m+ Excess of Loss (EOL)

All trades and ‘high risk’ and distressed risks considered, such as:

  • Aquaculture including fish farms
  • Care Homes/Provision of Care
  • Clerical risks
  • Haulage
  • High-risk Products Liability (Critical products, automotive, rail, marine, military defence, US/Canada Exports)
  • Hotels/Restaurants/Bars/Nightclubs (excluding NI)
  • Leisure & Motorsport
  • Schools/colleges
  • Warehousing (Ex cc & c)

If you would like to have an exploratory call regarding our facility and how we can assist you, please contact Macauley Geddes.