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Per Capita Information


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Our Insurers

The longevity & commitment of the scheme insurer is critical to its success to ensure consistent sustained underwriting & to provide efficient & effective service to brokers. 

Whilst our competitors have changed insurers many times over the last 2 decades we have been using QBE to underwrite our schemes since our formation in 1989 – that’s now over 25 years & we don’t think there are many schemes that can boast that strength of relationship. We are mindful that any successful scheme must deliver competitive rates but also consistently match the insurers expectations.

This long term approach means we have always been able to offer brokers cover for their clients throughout the peaks & troughs of the underwriting cycle so you can be sure that when you use us to place your clients risks the policies are backed by one of the soundest liability insurers in the market.

We have delegated authority from QBE for all our schemes but when a risk falls outside of that authority we have quick & easy access to QBE underwriters as required & they hold weekly underwriting surgeries in our office for us to deal with them face to face on any more complex issues.

As at July 2017 QBE have a Standard & Poor credit rating of A+. 

If you would like more background on QBE please click here to download a PDF factsheet, or follow this link to their web site page detailing their credit rating.

Where the client requires high limits of indemnity & QBE are unable to provide all the capacity required we have an exclusive arrangement with XL Catlin for them to provide excess capacity following the unique cover we provide with QBE. XL Catlin also underwrite our airside & aviation products liability cover.

This link will take you to the XL Catlin website for further information on XL Catlin.

As at July 2017 XL Catlin have a Standard & Poor credit rating of A+. This link will take you to their site detailing their current rating.

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