Holman's UK Underwriting

We know that Retail Brokers need more from a London Broker than a route to place large or complex risks. We know there is often frustration in dealing with Underwriters who have a single view on smaller commercial or personal risks - if it doesn’t fit the computer system , it doesn’t fit at all. They may have online placing facilities which are not backed up by expertise or support for risks falling outside tight risk parameters.

At Holman’s we have created Underwriting Agency facilities to cover the gaps.

Our claims servicing partner has deligated claims settlement authority from a number of carriers

With our software house Websure, we have developed, and continue to develop, an increasing number of web-based rating and policy insurance offerings which are being made available to regional brokers.

HOUSEHOLD FACILITIES

Castle Plan - Standard risks; cover on a specified perils basis which can be upgraded to include Accidental Damage, and where Contents are insured, cover for Personal Items on a worldwide basis is available.		All Risks Home Insurance -Cover on an all risks basis; the product is aimed at the mid to high net worth market. The cover includes Family Legal Protection and Identity Fraud.
Permanent Overseas Homes & Holiday Homes – Cover for properties in the main European countries whether it is the permanent residence or a holiday home for use by family and friends or commercial.		UK Holiday Homes & Second Homes – Cover for holiday homes in the UK for use by family and friends or commercial. Cover available for a second home that could be used during the week or weekend only.
Thatched Property – Both of standard and non-standard construction and including properties which are long - term lets, holiday lets or holiday homes.		Impaired Record – Proposers with poor claims experience and those that have had policies declined or voided.
Professional, DSS & Student Let – A specialist let property scheme which can cater for the individual landlord or a large portfolio of properties. Rates and excesses are flexible depending on the number of properties to be insured.		Unoccupied Properties – Providing the property is in a good state of repair and will be so maintained, cover can be offered for full perils excluding accidental damage.
Works in Progress – For properties to be renovated or refurbished, including both existing structure, items awaiting incorporation into the dwelling and minor works. This can include barns and ex-commercial premises providing the end result is a private dwelling - there is no percentage limit for the works in relation to the existing buildings sum insured.		Residential & Commercial Property Owners – Full perils including Property Owners' Liability, Terrorism and optional Employers' Liability. A mixture of commercial and residential properties under the one location or at different locations can be catered for, including unoccupied properties or those to be worked upon.

COMMERCIAL FACILITIES

Retailers – Available to a wide list of trades. Our product offers many of the additional covers you would expect including Goods in Transit, PA and Assault, Property Owners Liability, Employers Liability and Terrorism.		Office – This product offers full all risks cover including liabilities and terrorism.
Unoccupied Properties – Cover can be offered for both residential and commercial properties providing they are in a good state of repair and will be so maintained. Cover can be offered for both restricted and wider perils, including subsidence cover as an optional extra.		Commercial Combined – comprehensive product for larger retailers / distributers and manufacturers. Covers available include Goods in Transit, PA and Assault, Business Interruption, Money, Public and Products Liability, Employers Liability and Terrorism.
Residential & Commercial Property Owners - Full perils including Property Owners’ Liability, Terrorism and optional Employers’ Liability. A mixture of commercial and residential properties under the one location or at different locations, including unoccupied properties or those to be worked upon can also be catered for		Religious Buildings - Tailor made to cater for all places of worship. Cover can be extended to include all risk cover for religious items, liability extension for religious festivals, loss of donations, terrorism, trustee’s liability cover for volunteers and organised activities and excursions
Standalone Liability / Excess of Loss – most trades acceptable for Employers Liability and Public / Products liability up to £5m. Excess of loss coverage can also be offered.

MOTOR - MINI-FLEET

We have two facilities for mini-fleets which provide authority to underwrite mini-fleets for up to 20 vehicles, together with a minimum premium of £3,000 + IPT. These fleets can be a mix of vehicles - e.g. private cars, commercial (up to 18 tons GVW)

Excluded classes are haulage, skips, couriers, taxis, freight forwarders, recruitment agencies, security mobile patrols, scaffolders, hauliers and self-drive hire.

ACCIDENT AND HEALTH - INDIVIDUAL/GROUP PERSONAL ACCIDENT

Accidental death, permanent total disability, dismemberment (including loss of use), temporary total/partial disability weekly benefits.

GAP AND TRAVEL

These products are facilities exclusively available to Holman’s brokers. Quotations are supplied instantly on Holman's own ExtraNet System; the delivery of the product is simple, quick and effective with competitive rating.

For Travel cover, documentation is issued on the spot in the broker's office, giving the client instant cover. For GAP cover, 24 hour turnaround is provided to allow for referral to underwriters, documentation is then available to be issued in the broker’s office.

Premiums are added to the broker's monthly account and become payable under our standard terms of business.

MARINE

Cover for various types of risks in the pleasure and commercial marine market are underwritten:

Vessels in the Mediterranean, Caribbean & UK.
All types of pleasure craft including motor boats, dinghies, day boats, rigid inflatables, speedboats, narrow boats, barges, classic yachts and residential use risks.

- Yacht insurance which includes multi-hulls.
- Racing risks cover can be provided for yachts and dinghies.
- Commercial risks such as day trippers and sightseeing, angling, potting, netting and diving.
- Some limited commercial survey work and general work boat use can be covered, however, towage
risk and cargo carrying are limited to brown water.
- Cargo and GIT, UK to most worldwide destinations, can be written on open covers or single shipments.
- Exhibition and storage aspects can be considered.
- Freight Forwarders and Hauliers Liability can be covered on an annual basis up to a limit of £5million
for UK based companies.

PROFESSIONAL RISKS

We have a number of in-house facilities with various Underwriters for the following coverages / risks.

Directors and Officers – for professions within guidelines with income up to £15m and less than 10% from the USA; larger risks, risks for trades outside the guidelines and those with a higher proportion of overseas income can be accommodated with referral to Underwriters.

Professional Indemnity

For small miscellaneous and IT traders with turnover up to £500k, various trades acceptable without referral and PL/EL can be added on a per capita basis.

LIABILITY AND PROPERTY SOLUTIONS

We currently have two Property and two Combined Liability prior-submit Lineslips – we refer all risks to underwriters and obtain quotations within 24/48 hours; cover can then be bound and documents issued in-house.

Property Lineslips -

For all manufacturing trades, care homes, traditional high rated fire business including multi tenure, old or obsolete buildings, unoccupied, including non standard construction.

Coverage available: All Risks Perils, Property Owners Liability with accidental damage, subsidence & terrorism extensions.

Liability Lineslips -

For all contractors other than asbestos removers, food preparation and offshore exposures, with expertise areas such as USA/Canada exports, manual work abroad, work on railways and airports.

For specialist larger casualty portfolios i.e. construction, rail and offshore.