Property & Casualty Insurance
Regional UK mid-market Property & Casualty insurance solutions supporting businesses in managing risk and liability.
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Our regional Property & Casualty team partners with brokers to support UK mid-market businesses in managing complex operational risks. From property and business interruption to liability exposures, we deliver solutions designed to strengthen long-term business performance.
At Munich Re Specialty – Global Markets, UK, our strategically placed Underwriters and Strategic Relationship Managers work closely with brokers and clients to develop risk transfer and loss control strategies that support sustainable growth.
Our Property and Casualty solutions are available on a mono-line basis as well as a combined product.
Our team of experts are ready to support you and your clients.
Contact our experts
Coverage and limits
Our regional Property & Casualty team provides coverage for a broad range of UK mid-market risks, helping clients cover assets and manage liabilities.
We offer flexible policy structures designed to combine protection support services, helping businesses respond to unexpected events.
Property cover:
- Damage to property assets caused by fire, explosion, accidental damage
- Business interruption following damage to your property assets
- Natural catastrophe (Earthquake, Flood and Storm)
- Certified terrorism events
Casualty cover:
- Employers Liability
- Public/Product Liability
- Excess of loss casualty providing additional cover if your primary policy limits are not sufficient to meet you business needs
Property and Casualty loss control services
Providing practical risk management support for clients to improve resilience, risk quality and loss outcomes.
Property
- Site surveys and practical recommendation guidance on fire & security systems and loss prevention
- Assistance with Business continuity planning, assessment and creation
- Building valuations
Casualty
- Site surveys with practical guidance on health & safety management
- Guidance on risk assessment and loss mitigation
- IOSH accredited training courses
This is not an exhaustive list, underwriters review each risk on its own merit.
Our appetite
Target risks
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- Retail Buildings sale, leasing, and retail shops
- Light Industrial & Manufacturing Buildings low-hazard engineering and production
- Real Estate & Property Management commercial property owners, agencies, managers
Limited risk appetite
- Education & Healthcare Buildings schools, universities, hospitals
- Food & Beverage Manufacturing dairy, beverages, food processing (heat and non-heat)
- Hospitality & Leisure Buildings hotels, holiday accommodation, restaurants (no frying), pubs, entertainment venues
- Pharmaceuticals & Life Sciences pharma, biotech, medical devices
- Industrial & Wholesale Trade Buildings wholesalers & agents, assembly operations, fabrics, light industrial warehousing
- Transport, Warehousing & Logistics cargo handling, licensed carriers, warehousing, transport operations, airports
Outside of risk appetite
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Download our risk appetite guide
Why work with us?
Accessible expertise
Our underwriting team is accessible directly, ready to support you and your clients' needs with our specialist expertise.
Strength in service delivery
The service which we deliver to brokers is something which we pride ourselves on, and our broker partners rely on.
A Munich Re company
We're part of Munich Re Specialty Group Limited, which means we're supported by the financial strength and stability of Munich Re.
Frequently asked questions
What is Commercial Property Insurance?
Commercial property insurance protects a business’s physical assets, buildings, equipment, stock, and contents against risks like fire, flooding, theft, and accidental damage. It supports business continuity after unforeseen events.
Policies can include:
- Buildings cover – repair or rebuild premises
- Contents cover – replace equipment, stock, and furniture
- Business interruption cover – compensate lost income and ongoing costs
This insurance is relevant across sectors including retail, manufacturing, and hospitality, helping businesses maintain operations during disruptions.
What is Business Interruption Insurance?
Business interruption insurance supports UK businesses when normal operations are disrupted due to an insured event. It covers lost revenue, ongoing fixed costs, and additional expenses incurred while recovering operations.
Common triggers include:
Fire, storm, or flood damage
Supply chain disruptions
Government-mandated closures
This cover helps businesses manage cash flow and financial impact following unexpected events.
What is Casualty Insurance?
Casualty insurance protects businesses against liability claims arising from operations, premises, employees, or products. Our coverage includes:
These policies help businesses manage legal exposure, safeguard reputation, and maintain operational resilience. |
Are there any geographical restrictions?
How do we define complex risks and trades?
Complex risks are exposures with higher-than-average uncertainty, technical challenges, or potential severity, often requiring specialist underwriting. Examples include:
Clear understanding of complex risks helps brokers match UK businesses with appropriate coverage |
What is the security rating of Munich Re capacity?
Munich Re is one of the world’s leading reinsurers, with a strong financial track record.
AM Best: A+ (Superior)
Standard & Poor’s: AA (Very Strong)
Partnering with Munich Re provides brokers with confidence that claims can be managed reliably, even for large or complex losses.
Get in touch with us
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The information provided in this content is intended for UK insurance brokers acting on behalf of their prospective or existing clients.
Any description is for general information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product. Policyholders who have questions or wish to arrange or amend cover should contact their insurance broker. Insurance brokers can find details of how to contact us here.
Any descriptions of coverage contained are meant to be general in nature and do not include nor are intended to include all of the actual terms, benefits, and limitations found in an insurance policy. The terms of any specific policy will instead govern that policy. Any guidance for UK insurance brokers is intended to provide general information only, and should not be used as a substitute for legal advice.