Commercial Property

Houston Casualty's Commercial Property team are a well known lead and follow market on subscription business and have over forty five years of combined experience in the London market. All property business is produced by Lloyd’s of London intermediaries and the Underwriters have long-term relationships with these broking organisations.

Manufacturing is one of HCCs largest income sources and therefore our Underwriters have many years of experience providing tailored coverage to both the very largest multinational corporations and smaller family run businesses. Having visited numerous plants around the world HCC Property Underwriters understand the key components of manufacturing operations and with this experience on hand can offer bespoke coverage based on the clients needs in regards to both physical damage and business interruption.

The retail sector is a diverse insurance class as a result of the ever changing demands of the consumer. HCC underwrites a diversified retail book ranging from small out of town shopping malls to large retail corporations that have a presence in every town and city throughout the world. Our Property Underwriter’s knowledge of this sector lends itself to supplying our customers with a package that will ensure peace of mind in an increasingly competitive market place.

Being an all encompassing title for varying classes of business real estate is HCCs largest income supply. As a result our Underwriters pride themselves on their ability to adjust coverage and pricing to satisfy the requirements of the Insured. Multi-occupancy office blocks in key financial centres such as Tokyo and New York constitute a large percentage of our real estate portfolio however, the schedules of smaller real estate management trusts that operate varying types of buildings from apartment blocks to museums make a sizable contribution to our balanced portfolio.

The hotel industry must provide accommodation for everyone from the holidaymaker to the travelling salesman and as a result is as diverse geographically as it is in size and nature. From the very largest Las Vegas casino hotel to the very smallest chain of motels HCC strive to offer a product that caters for the often very differing requirements of their clients. HCC Underwriters also recognise the competitive aspect of the business and therefore can provide tailored business interruption coverage in the event of a claim.

Due to the sheer number of municipalities throughout the world it is a class of business that a successful Property insurance portfolio embraces. Their very nature means their geographical spread of both fire and catastrophe risk is arguably better than any other class of property risk. As the mix of building occupancies is so varied our HCC Underwriters draw on their years of experience to ensure the capacity provided meets the exacting wishes of the assured for both allied and catastrophe perils.

The above list of Property occupancies which HCC offer coverage on is by no means exhaustive. Our Property book provides financially sound capacity to a plethora of businesses and our underwriting philosophy ensures that each and every client is treated with the same exacting standards. As a result of our commitment to underwriting discipline, quality of service and strong financial credentials we continue to enjoy long-term relationships with our clients.

Contacts: Andrew Middleton Property Underwriter t: +44 (0) 207 648 1250 amiddleton@hccint.com

Robert Walpole Deputy Property Underwriter t: +44 (0) 207 648 1275 rwalpole@hccint.com

Claims

We place great importance on our claims processes. We recognize the product we are selling is a promise to pay all valid claims. We employ leading, experienced claims experts to ensure all claims are dealt with as fully and professionally as possible.

Our claims team fully integrate and liaise with our underwriting teams. As a result of this one team approach we are able to respond as quickly and comprehensively as possible. We believe this service is key to promoting long-term relationships with clients.

Contacts: Clive Jackson Claims Manager t: +44 (0)207 648 1207 cjackson@hccint.com

Alan Pryor Senior Claims Adjuster - Non Marine t: +44 (0)207 648 1248 apryor@hccint.com