Binding Authorities

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Binding Authorities

The syndicate writes a portfolio of binding authority business, focusing specifically on USA commercial and homeowners' property insurance.


This account is comprised of North American small-and-medium-enterprise (SME) business sourced via delegated underwriting arrangements with established Coverholders in the USA and Canada. The account has a broad geographical profile and includes a diverse spread of occupations and trades.

Coverage is provided for direct property damage and business interruption - no coverage is provided for Commercial General Liability and no stand-alone liability business is written.


The Syndicate underwrites a diverse North American homeowners' account. Coverage is provided for direct physical damage and associated perils including comprehensive personal liability - no stand-alone liability business is written.


The account is underwritten at Box 277A on Gallery 2 at Lloyd's.

For 2015 the account is expected to generate gross premium income of $38.2m.


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