Products

Our casualty team currently writes a diverse portfolio of both UK and international business which is focussed on the small to medium-sized company market. As our book of casualty business is sourced entirely through brokers, we are keen to share our expertise with you, giving extensive underwriting, actuarial and managerial support to build profitable partnerships that last.

You can count on us to give every individual submission the personal touch, as each risk is assessed on its own merits by one of our expert underwriters.

Within our casualty product range we have a selection of target businesses that we have analysed to be preferred risks; our experience and dedication in these areas allow us to:

• offer competitive pricing, tailor-made coverages, loss control expertise and fair claims settlement;
• attract brokers, who can rely on us to provide them with quality advice and fair quotations

Protection for the policyholder if a claim is brought against them due to a problem with the professional services they have provided.

Our target professions include:

• Accountants
• Architects and Engineers
• Design and Construct Professionals
• Insurance Brokers
• Miscellaneous Professions

Our cover options can include:

• Primary and excess capacity
• Varying levels of cover, up to £5m limit of indemnity
• Varying types of cover (both aggregate and any one claim)
• Cover for incidental USA exposures
• A typical offering of ‘claims made’ cover

• Employers’ Liability
• Public Liability
• Products Liability

Our target businesses include:

• Contracting
• Light manufacturing
• Service sector
• Haulage
• Leisure

Our cover options can include:

• Primary and excess capacity
• Varying levels of cover, up to £10m limit of indemnity in respect of EL or £5m in respect of PL
• Cover for incidental USA exposures

ELTO

FSA regulations require us to publish details of all commercial employers’ liability policies we enter into, renew or under which a claim is made, on or after 1st April 2011. AmTrust Europe Limited and AmTrust International Underwriters Limited are both members of the Employers’ Liability Tracing Office (“ELTO”) for which further details can be found at the ELTO website.

AmTrust Europe is one of the market’s leading specialists in both After the Event (ATE) and Before the Event (BTE) cover; we provide a niche rather than a commoditised legal expense and assistance service.

As well as offering competitive premiums and attractive commissions, we help our broker partners thrive with a collaborative and supportive culture.

Our philosophy is underpinned by a passion for excellence and a commitment to communicate with our clients in a timely and no-nonsense manner. Above all else, we provide the assurance that we will listen carefully to our clients’ needs, not just at the outset but throughout the relationship.

As active members in a number of legal associations, we stay ahead of the curve on the rapidly evolving legal landscape, so we can keep you and your clients up to speed with all the important developments, particularly in the area of costs.

We typically distribute our ATE products through specialist underwriting agencies and insurance brokers, and can provide the following types of cover:

• Commercial Litigation
• Clinical Negligence
• Personal Injury

• Commercial Legal Protection
• Family Legal Protection
• Motor Legal Protection
• Replacement Vehicle Protection
• Caravan Legal Protection

Whether you are looking for cover for caravanning holidaymakers or to protect new landlords from the pitfalls of renting out a residential property, our team of highly experienced property underwriters can help.

We can replicate an established specialty scheme or create something entirely new for you, starting quite literally with a blank sheet of paper, to fit a defined and individual set of needs.

Our imaginative insurance solutions are supported by equally innovative customer service and an in-house claims division which handles claims from first notification of loss through to final settlement.

We offer a range of products tailored to protect property and its contents.

Insurance for landlords of residential private dwellings where the tenancy agreement is between the landlord and the tenant or the landlord's appointed agent.

We can provide cover for a range of tenant types including:

• Professionals
• DSS
• Students
• Asylum Seekers

Our cover options can include:

• Loss of Rent
• Legal and Property Owners Liability
• Legal Protection
• Accidental Damage
• Employers' Liability
• Terrorism

Insurance for touring caravans and awnings worth up to a total of £20,000 used for holidays by the owner and their immediate family.

Our innovative approach is illustrated by CaSSOA (Caravan Storage Sites Owners’ Association), an initiative to raise the standard of caravan secure storage to reduce owners’ premiums.

Because we know it makes a difference, we offer enhanced discounts to caravan owners who store their van at a CaSSOA registered site.

Our cover options can include:

• New for old
• Loss of Use
• Public Liability
• European Use
• Contents

Insurance for landlords of commercial premises where the tenancy agreement is between the landlord and the business(s) occupying the commercial property.

Our cover options can include:

• Loss of Rent
• Legal and Property Owners Liability
• Legal Protection
• Accidental Damage
• Employers' Liability
• Terrorism

Insurance for businesses that have slightly more complex and varied risks associated with their day to day operations, including liability and business interruption.

The AmTrust Europe surety team provides cover to pay for compensation or damages should a legal or contractual obligation not be fulfilled.

We primarily underwrite risks for large national and multinational corporations within the construction, engineering, manufacturing, travel and services industries.

We also provide insurance for companies that would need to present specific bonds to local or private authorities in order to tender for their development contracts.

• Performance bonds: Guarantees the completion by the contractor of their obligation to carry out a work or supply or lend services
• Maintenance bonds: Guarantees, for a period of time, the smooth operation and/or the quality of the execution of the work and of the supply or lending of services within the terms of the contract.
• Material & Stock deposit bonds: Guarantees that the materials and equipment supplied to a contractor are incorporated within/or used for the finished product.
• Advance Payment bonds: Guarantees the proper application of the money paid to the contractor in advance of the performing of the works.
• Retention (otherwise known as maintenance) bonds: Guarantees the completion of a contractor’s maintenance obligations in return for the release of the money retention held by the insured.
• Subdivision bonds: Guarantees that the developers and contractors complete the installation of sewers, roads, and water services within urban developments which they are constructing.
• Barter bonds: Guarantees completion of terms of a voluntary contract of exchange entered into by two parties

• Statutory License and Permit bonds: This class incorporates various types of bonds which are mandatory by specific laws or statutes for the issuance of licences and permits.
• Subsidies bonds: Guarantees the repayment of subsidies granted to agricultural co-operatives and other companies by the Administration.
• Customs bonds: Guarantees the proper importation and exportation of goods and the payment of the related taxes.
• Connection to the grid bonds/Renewable Energies Bonds
• Real Estate Agent Bonds

• ABTA Retail and Tour Operator Bonding
• CAA Bonding
• Airline Guarantees

Electronics, income protection, motor warranty, plant and agricultural equipment, roadside recovery, structural defects, treaty reinsurance … we’ve got warranties and special risks covered.

With specialist knowledge in creating bespoke warranty products for top retailers, manufacturers and financial institutions on a global scale, our underwriters push the boundaries to create market-leading cover.

They combine years of market experience with underwriting flexibility to tailor bespoke insurance solutions to add significant value. The specialist products they create can provide additional revenue streams and improve customer retention for you or your client’s business.

• Consumer Electronics
• Gadget
• Mobile Phone
• Computers
• Home Appliances
• Satellite

• Payment Protection
• Short Term Income Protection
• Premium Payment Waiver
• Debt Waiver

• Home Assistance
• Central Heating and Boiler
• Garden Equipment
• Power Tools

• Roadside Assistance
• GAP
• Ancilliary Motor
• Mechanical Breakdown Insurance

• Mechanical Breakdown
• Physical Damage

• Hidden Faults
• Dommages Ouvrage

Our underwriting teams have a wealth of experience in designing bespoke insurance solutions for a wide range of affinity groups from sports clubs to trade associations.

The products available range from travel & health to warranties and equine insurance; we make the effort to understand the needs of the individual members and undertake significant analysis before contemplating product design. Each scheme is different and there is no such thing as one size fits all.

We are happy to discuss your particular requirements whatever the sector. If you already have a scheme in place we are happy to appraise the offering as we can often improve the value and coverage.

Accident & Health is all about people. Protecting a company's best asset - its employees; providing groups whether sporting, association or affinity, with benefit solutions; and offering individuals, travel and injury/sickness packages.

We provide brokers and intermediaries with a suite of products including:

• Leisure Travel and Consumer PA and PA & Sickness (for sole traders and individuals)
• Corporate policy, providing cover for Group PA/ Group Sickness/ Group Business & Leisure Travel
• Niche, bespoke policies

As well as helping your corporate clients demonstrate their commitment to employee welfare, our bespoke products can assist in business retention by providing unique, innovative solutions and market differentiation.

Accident & Health products are available on a global basis and can be amended, expanded and refined to reflect the individual risk profile of a client.

Core benefits:

• Accidental Death
• Permanent Disabilities
• Weekly Income

Extensions:

• Hospitalisation
• Life style

Cover and premiums can be set to reflect the risk (eg. whether the operative time is occupational, occupational and commuting, or 24 hour).

Group and individual cover is available.

Our underwriters are empowered with the flexibility to create truly bespoke products to enhance broker-client relationships.

• Niche Products
• Value-added Products
• White-labelling

Specialist policy wordings include:

• Crew PA & Medical
• Recruitment Agencies
• Locum
• Ticket Protection

An ideal protection for employers and self-employed, providing cover for:

• Loss of sight and disability by paralysis
• Weekly Income

Comprehensive policies for business travellers, expatriates and holiday makers.

• Medical expenses, hospital cash
• Cancellation and abandonment
• Baggage and money
• Legal expenses and personal liability

Leisure Travel:

• Pet fees
• Winter sports; and golf
• Wedding ceremony

Business Travel

• Rehabilitation
• Fractures, burns and physiotherapy
• Corporate activities

AmTrust Europe has a specialist Equine division which is staffed by a knowledgeable team with many years of equestrian and insurance experience.

We typically distribute our Equine product through specialist insurance brokers with our Underwriters working alongside them to develop a wide range of equestrian products which can be tailored to fit their business requirements.

Our staff can provide an added-value service through the claims support team, who put the client and their horse as a priority, providing an unrivalled level of personal customer service.

• Horse and Pony cover
• Trailer cover
• Liability

Visit our dedicated equine website for quote and buy options www.amtrustequine.com.