London Market Broking Solutions

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2 London Market Broking Solutions Direct Insurance London Market (DILM) is the fastest growing Lloyds broker, providing you with access to the Lloyds and London Markets. We provide access to in house facilities and open market placing services for unusual and seemingly difficult to place risks. Our London Market team are a diverse team of individuals who have a broad range of experience in the placement of casualty, property and motor lines of business. By capitalising on our scope of relationships with both our existing panel of scheme underwriters and the wider London Market, we are consistently able to produce the results that you and your client need, fast! In addition, DILM have developed some of the UK's leading niche schemes for hard to place risks. Our insurer partnerships, industry knowledge and first class service means we are able to provide solutions where mainstream markets and other London Market brokers can not. Risk Placement We are happy to discuss any risk that you feel fits the London Market profile and where you need our specialist input and advice. For our own in house schemes, we require completion of the relevant proposal forms in order to provide you with contract certain terms. For open market placements, our broking team will require the following information to allow them to negotiate the best terms with insurers on your behalf; > Full Risk Presentation - the more information regarding the risk the better including wage and turnover breakdowns > 5 years claims experience or 3 years 'verified experience' in respect of motor fleet risks > Details of any large losses along with risk improvement measures to prevent further occurrence > Details of any hazardous activities or exposures (work at height, asbestos removal, international exposure etc) > Most recent survey reports if available > Target premium for the market to win the business Areas of Expertise Specialist Schemes > Asbestos Removers > Waste & Recycling > Railway Contractors > Real Estate > Material Analysis Laboratories > Coach > Lorry Open Market > Contractors including Scaffolders, Demolition, Steel Erectors, Roofers etc > Stand alone liability including products and high hazard exposure > Engineering & Manufacturing > Chemicals Industry > Food Processing > High Risk Property > Environmental Liability > Professional Indemnity and Directors & Officers > Excess of Loss > Binder Placement We are happy to meet and discuss your bespoke requirements and hope that you discover a refreshingly different attitude to Lloyds broking. Contact us info@dilm.co.uk

3 Property Our London Market Property team are the market leaders in the placement of difficult and unusual material damage and business interruption risks. From recycling plants to unoccupied premises, we have the market relationships and experience to get the results you need. We offer a fast turnaround on enquiries and operate a number of in-house binders on behalf of some major insurance carriers. In addition to larger, open market enquiries, our binders team can assist with the placement of specialist property / package schemes. Target Risks: > Commercial Industrial (plastics / chemicals / woodworking / food) > Leisure (hotels / pubs / golf clubs / night clubs) > Retail > Recycling > Unoccupied Premises > Multi Tenure Property Owners > Apartment Blocks > Premises undergoing renovation / rebuild > Excess of Loss Layers Benefits: > 100 million limit any one Location > Bespoke Wordings > Wide Coverage > Prompt Turnaround > Competitive Rates Quotes can be provided using the holding markets proposal forms / presentations and we work typically on a first come first served basis for our supporting agents. Speak to our London Market team today or property@dilm.co.uk

4 Unoccupied Property If your clients commercial or residential property is going to be left unoccupied for longer than 30 days, it's important they obtain insurance and the right level of cover. Policies can be arranged for 90 days at a time and can be extended should they need it. Our new scheme with A rated capacity is targeted specifically at these risks with expert knowledge in this area. Target Risks: > Long term unoccupied commercial/residential > Properties awaiting sale > Existing structure/undergoing refurbishment > Unoccupied portfolio's > But; all risks considered Benefits: > 5m any one location > Bespoke wording > Wider perils available > Quick turnaround > A rated capacity > Market leading rates (contact us to find out more) Quotes can be provided using the holding markets proposal forms / presentations and we work typically on a first come first served basis for our supporting agents. Speak to our London Market team today or property@dilm.co.uk

5 High Risk Liability Our London Market Liability division consists of a diverse team of individuals who have a broad range of experience in the placement of casualty risks. By capitalising on our scope of relationships with both our existing panel of scheme underwriters and the wider London Market, we are consistently able to produce the results that you and your client need. Target Risks: > Demolition & Groundworks > Railway Contractors > Bridge & Tunnelling Contractors > Working at Height or Depth > Recycling > Excess of Loss > Product Exposures (aviation, automotive etc) > North American Exposure > Asbestos Risks > Risks generating over 5,000 Premium Our friendly and knowledgeable team typically operates a first come first served basis to our supporting agent base, thus being able to get the results in a speedy and efficient manner. Speak to our London Market team today or liability@dilm.co.uk

6 Leisure Insurance Direct Insurance London Market (DILM) are pleased to announce a new market for leisure liability insurance that focuses specifically on insuring events & activities within the world of sports, leisure & entertainment. Our facility is underwritten by A rated capacity and comes with the usual flexibility and service you would expect from DILM. Our appetite > Small, medium and large theme parks > Brown sign attractions > Public attractions > Tournaments & events > Education & development > Venues & facilities > Governance & participation > Filming > Trade shows > Exhibitions > Music concerts & tours > Indoor & outdoor events > Motorsports > Leisure centres > Sports federations > Adventure activities > Amusement caterers > Charities > Health & lifestyle operators > Events > Public attractions > Prize indemnity > Performance - related bonus > Weather & transmission failure Our flexible cover Liability - including public, products, employer s, Directors & Officers and Professional Indemnity Property including material damage, theft, money and assault, interruption, loss of license and fidelity Personal Accident including permanent and temporary disability, accidental death, loss of earnings and medical expenses Contingency including cancellation and abandonment, non-appearance, prize indemnity, contractual bonus, death and disgrace Speak to our London Market team today or liability@dilm.co.uk

7 Motor Fleet Direct Insurance London Market have unparallelled access to the London and Lloyd s markets for motor fleet risks. Our specialist team has been involved in the London Motor Market for over 25 years and our relationships mean we always deliver the goods! Target Clients: Operators of a fleet rated policy with 5 or more vehicles, including but not limited to: > Haulage > Waste & Recycling > Liquid & Hazardous > Own Goods > Bus & Coach > Self Drive Hire > Credit Hire > Public & Private Hire > Couriers > Taxi Benefits & Features > Comprehensive access to London & Lloyd s Markets > Fast turnaround of all quotes > Trade specific policy extensions > Risk management provisions including training, collision cameras etc > Non conventional and conventional arrangements > Up to 15% commission > In-house binders for certain types of fleet Our supporting agents find our prompt turnaround will often give them the edge they need. Speak to our London Market team today or motorfleet@dilm.co.uk

8 Contract Works & Plant Direct Insurance London Market has a wealth of knowledge and understanding in the placement of construction risks. Wherever there is construction or civil works, there is a risk of loss or damage. Our team can arrange cover for contractors or employers to protect against the cost of loss or damage and have close relationships with some of the UK s largest construction insurance underwriters. Capacity: > Up to 100 million Coverage: > Construction and erection all risks / builders risk > Advance loss of profits / delay in start-up > Open turnover coverages available to certain clients with construction / erection exposures Client Profiles: > Companies with turnovers / project costs up to 100 million > Companies with sound risk management programs in place or being implemented > Based in the UK or Ireland > Minimum premium 2,000 Typical Information Required: > Policy terms / coverages > Project description > Limits of coverage needed > Additional information as needed We can consider all types of construction risks either on an annual or single project basis. Give us a call today to discuss your requirements or construction@dilm.co.uk

9 Professional Risks Our London Market professional risks team has a wealth of experience in the placement of professional lines business. Our relationships with specialist London Market Underwriters are focused on mid-market and SME business. We can provide prompt turnaround on quotes and tailored solutions that best match your customer s needs. We offer our brokers a wide range of professional risks coverage and in addition to open market placements we can also assist with the placement of larger, volume driven or specialist scheme accounts. Target Areas: Professional Indemnity > Accountants > Architects > Asbestos Surveyors > Design & Construct > Estate Agents > Financial Institutions > IT Consultants > Solicitors > Structural Engineers > Surveyors > Excess of Loss > Miscellaneous Professional Risks > Directors & Officers > Trustees Liability > Cyber Liability > Employment Practises Liability > Associations / Club / Charities Indemnity > Intellectual Property Quotes can be provided using the holding markets proposal forms / presentations and we work typically on a first come first served basis for our supporting agents. Speak to our London Market team today or professionalrisks@dilm.co.uk

10 Recycling & Waste Management Scheme Our exclusive scheme with our A-rated carrier is designed to encompass the needs of today s modern recycling and waste management businesses. We have an in depth knowledge and understanding of the sector and have designed insurance solutions to suit. Target risks: > Skip Hire Companies > Trade Waste Collection > Plastics, Paper and Can Recyclers > WEEE Recyclers > Textile Recyclers > Scrap Metal > Wood Recycling > Landfill Sites > Waste to Energy Plants > Aneorobic Digestion Plants > Materials Recovery Facilities > Aggregate / Soil Recycling > Liquid and Hazardous Waste > Tyre Recycling Classes covered: > Material Damage - upto 75 million any one location including machinery breakdown > Plant all risks > Liability - up to 50 million indemnity in respect of public, pollution and employers liability > Motor Fleet - hazardous and non hazardous carriage for 5+ vehicles > Environmental Impairment Liability > Directors & Officers and Professional Indemnity Our in-house schemes allow a prompt turnaround of your customers needs. Speak to our London Market team today or recycling@dilm.co.uk

11 Asbestos Removers & Surveyors Scheme Our exclusive scheme is designed to cover the needs of today s asbestos management businesses. We have an in depth knowledge and understanding of this specialist sector and have designed exclusive insurance solutions to suit your clients needs. Target risks: > Licenced Asbestos Removers > Labour Hirers > Non Licenced Asbestos Removers > Ancillary Licence Holders (scaffolders, plant hire) > Asbestos Surveyors & Consultants > UKAS Accredited Asbestos Laboratories > Building Trades with Asbestos Exposure Classes covered: > Liability - up to 50 million indemnity in respect of public, pollution and employers liability > Motor Fleet - hazardous and non hazardous carriage for 5+ vehicles > contractors All risks > Environmental Impairment Liability > Directors & Officers and Professional Indemnity Our in-house schemes allow a prompt turnaround of your customers needs. Speak to our London Market team today or asbestos@dilm.co.uk

12 Rail Contractors Scheme Direct Insurance London Market have designed an exclusive scheme for railway contractors. Exclusively underwritten by XL Catlin to meet the needs of this specialist and growing sector, our specialist scheme caters for the complex exposures that contractors and suppliers to the UK s rail network face. Cover is available to Link-Up approved contractors only, ensuring only the highest quality risks are granted cover under the facility. Our target risks include: > Railway Maintenance, signal work and line work > Rail Contractors, including groundwork and civil engineering work > Locomotive maintenance and repair > Steam / Diesel Locomotive Engineers Classes of cover provided: > Public, Product & Employers Liability up to ORR required limits if needed > Own Plant > Hired In Plant > Contract Works > Professional Indemnity > Motor Fleet Benefits of dealing with us > In-house facility > Fast turnaround > Generous commission > Market leading coverage > Rail Operators (passenger & freight) > Heritage railways > Rolling stock and engine manufacture > Safety consultants, signalling, design and supervision > Railway labour supply / recruitment Speak to our London Market team today or rail@dilm.co.uk XL Catlin is the global brand used by XL Catlin plc s insurance and reinsurance subsidiaries.

13 Laboratory and Analysis An all encompassing insurance scheme specifically designed to meet the demands and needs of UKAS accredited testing, inspection, calibration and certification bodies. As the preferred supplier to many UKAS accredited bodies we understand the risks associated with running a UKAS accredited organisation. Our Labinsure scheme is tailored to provide the correct level of cover for your client and eliminate the risks associated with buying an "off the shelf" insurance product. Our scheme can cater for all types of UKAS organisations involved in all areas of industry, dealing with all types of materials. Higher risk examples of these are: > Asbestos Testing > DNA Analysis / Sampling > Offshore Oil & Gas Gauge Testing > Drug Testing > Healthcare Inspection > Automotive Safety Testing Target Risks: All UKAS accredited organisations including but not limited to: > Calibration Laboratories > Testing Laboratories > Inspection Bodies > Certification Bodies Classes Covered: > Professional Indemnity > D&O > Employers Liability > Public, Products & Pollution Liability > Buildings & Contents > Motor Fleet Quotes can be provided using the holding markets proposal forms / presentations and we work typically on a first come first served basis for our supporting agents. Speak to our London Market team today or ukas@dilm.co.uk

14 Binder & Scheme Placements Direct Insurance London Market have a dedicated team of individuals who specialise in the placement of binder business for insurance brokers and MGA's worldwide. Our highly experienced team, via their strong market connections, can provide you with specifically tailored solutions. In addition we can assist and advise on strategy and business plans, product marketing / branding, IT platforms (including 'quote and buy) to help your business suceed in todays competitive environment. Areas of specialism include: > Hotel & Leisure > Retailers > Commercial Combined > Let Property - Commercial and Residential > General Liability > Accident & Health > Professional Lines > Home Owners / Household > Marine > Warranty Benefits of working with our Binder Team: > Support from planning to launch > Marketing support > Compliance support > Long term commitments > Sensible underwriting authorities > Generous levels of commission > Profit share arrangements Call us today to discuss your requirements or binders@dilm.co.uk

15 Excess of Loss Our London Market Excess Loss team are experts in the provision of excess layers of insurance across most classes. We can provide cover on a short term or annual basis for most trades and professions; Benefits: > Single Carrier Limits up to 25 million > Worldwide inc USA & Canada where required > Follows primary policy and wordings including Asbestos if needed > A+ rated capacity Classes catered for: > Excess Public & Product Liability > Excess Employers Liability > Excess Property Damage > Excess Professional Indemnity > Excess Motor Liability Quotes are typically provided on a first come first served basis to our supporting agents and our exclusive scheme allows prompt turnaround of your customers needs. Speak to our excess of loss team today for a quotation or xol@dilm.co.uk

16 Product Recall Insurance In today s global marketplace, threats to the supply chain are an increasing risk to your client. Whether they are a manufacturer, wholesaler, importer or distributor, a defective or tampered product could have a significant impact on their reputation and bottom line. Direct Insurance, in conjunction with a panel of A rated London Market insurers, can provide fast and competitive quotations for your clients. Target Clients Include > Food & Drink > Consumer Durables > Automotive > Pharmaceutical > Cosmetics > Toys Coverages Include > Defective Product > Durable Goods > Product Extortion > Customers Loss of Profits > Third Party Recall Liability > Impaired Property Coverage Here are just a few of our outstanding features > Expert understanding and approach > Quick turnaround of enquiries > Generous commissions > Great service Call us today to discuss your requirements or info@dilm.co.uk

17 Terrorism Insurance The threat of terrorism in the UK and abroad is now at its highest for a decade! In many countries (including the UK) the current threat is Severe, meaning an attack is highly likely. In light of this can your clients afford to be unprotected from the threat of terrorism? Direct Insurance London Market are experts in the placement of Terrorism Insurance for assets anywhere in the world including conflict zones. Here are a few of our outstanding features: > Worldwide coverage > Very competitive premiums > Up to 100m capacity > Commission payable > 100% Lloyds of London > Minimum premium 250 > Same day quotations > First loss cover available Call us today to discuss your requirements or terrorism@dilm.co.uk

18 Water Treatment Facility Our scheme is designed for your clients involved in the Water Treatment Industry. It is not unusual for this type of class to attract costly prosecutions and even more seriously, life threatening illness and possible death to its victims. Our market leading coverage combined with unrivalled service delivery will provide your clients with cover for all their Insurance requirements. Target Risks: > Water/Wastewater treatment facilities/contractors > Water suppliers > Scientists/consultants working in water treatment > Engineers > Legionella control/contractors > Water treatment consultants Benefits of working with DILM: > A rated capacity > Market leading service > Legionella extension as standard > Exclusive rates available > 15% commission > 10m EL/PL limits (higher limits available) Classes Available: > EL > PL > Property > Fleet > PI > D&O Speak to our London Market team today or watertreatment@dilm.co.uk

19 Cyber Insurance Tailored to protect against information and network related risks Cyber crime is the world s fastest growing criminal activity and has become an established industry in the past decade. Whilst money is the primary motivator for cyber criminals, other factors such as ideology, sympathy, anger and espionage are also significant drivers of cyber crime. The global annual costs of cyber crime to businesses are estimated to be 245 billion*. Cyber Liability Coverage > Cyber liability coverage > Cyber security liability > Privacy liability > PR expenses > Breach of confidentiality > Customer notification expenses Examples Include > Online retailers > IT companies & telecoms > Online services > Payment processors > Hotels > Publishing/media companies > Financial institutions > Utility companies > Healthcare institutions > Transport & logistics companies Why you should use us > First class service > Generous commissions > Fast turnaround > Quick document issuance > A rated facilities Call us today to discuss your requirements or info@dilm.co.uk

20 We play a different game... Imperium is a leading UK MGA providing commercial e-trade insurance solutions to brokers. Imperium helps broker partners grow their business by delivering specialist solutions, easy trading platforms and exceptional service. Imperium is far from your standard MGA and we are obsessed with empowering you with something a little bit different to help you grow. Three distinct characteristics enable this: Easy Trading Our aim is to make it as easy as possible to look after your clients business. We do this through our simple and flexible system solutions that enable quotes to be obtained instantly. We can build bespoke scheme propositions that suits the needs of your business. Specialist underwriters are easily accessible to ensure we deliver every time. Specialist We want to make it easier for you to place specialist risks efficiently. Our product development is focused on niche business, our staff are experts in their field and our sister company are a Lloyds broker for those risks that are harder to place. Service Our goal is to provide exceptional service to you by delivering on our promises. We don t just talk about exceptional service, we deliver it through our easy trading systems tailored to your needs through our high quality enthusiastic staff. 5th Floor, 35 Great St Helen s, London, EC3A 6HB, United Kingdom Tel: +44 (0) enquiries@imperiuminsurance.co.uk Imperium Insurance Management Ltd, the specialist Managing General Agent, created to empower brokers by making it easy to obtain specialist insurance solutions.

21 isure Insurance isure is the UK's newest online quote and buy facility for the SME market. We are passionate about empowering brokers to help them grow their business. Our online products available for you to access are: Office & Surgery, Shop Keepers, Residential and Commercial Property Owners and Tradesman Liability. We like to think of ourselves as specialists, obsessed with empowering you with something a little bit different to help you grow. We want to make it as easy as possible for you to manage your SME business through instant online quotations and documentation for a wide range of trades. Our A rated insurers have access to specialist underwriters and scheme facilities for 'hard to place' risks and impeccable after sales service will enable you to meet your client expectations. We only work with A rated insurers to give you and your clients peace of mind when trading with us. Risks up to 5m sum insured can be placed online. Larger risks require referral to our underwriting team and pricing discounts are available for well managed risks and good claims experience. Service Proposition Our team of underwriters have over 70 years' experience in the industry sector, ensuring we have the knowledge to understand your risks and requirements and enabling us to build the right solutions to meet them. Our goal is to provide exceptional service to all our brokers by delivering on our promises. We have an enthusiastic can do attitude ensuring you have direct access to decision makers and have easy ways of trading to make administration efficient. We are obsessed with ensuring you receive a great experience when you contact us. Products Available: > Shop Insurance > Tradesman > Office & Surgery > Property Owners > Specialist Products 5th Floor, 35 Great St Helen s, London, EC3A 6HB, United Kingdom Tel: +44 (0) enquiries@isureunderwriting.co.uk isure is part of Imperium Insurance Management Ltd, the specialist Managing General Agent, created to empower brokers by making it easy to obtain specialist insurance solutions.

22 Real Estate Insurance Our Real Estate Insurance is designed for companies and individuals involved in the ownership of apartment and office blocks. Whether your client has a single property or a managed portfolio, our specialist underwriters will work with you to ensure they are covered. Coverage > All risks policy wording as standard > 15% automatic day one uplift > Malicious damage by tenants included as standard > We can cater for unoccupied risks > Loss of rent including prevention of access > Students accommodated Target Business Our preferred risks are: > Residential: purpose built apartment blocks with professional tenants > Commercial: modern purpose built office blocks > Quotes up to 5 million sum insured (per location) can be obtained online Unique Selling Points > Easy to trade: instant quotes for smaller risks and access to specialist underwriters for larger risks > Easy to compete: competitive rates for well managed risks > Easy to bespoke: wide wording with high inner limits > Easy to deliver to your clients through 24 hour service delivery and instant access to documentation > Easy for your 'hard to place' risks through wide underwriting footprint and access to Direct Insurance London Market 5th Floor, 35 Great St Helen s, London, EC3A 6HB, United Kingdom Tel: +44 (0) enquiries@lincolnunderwriting.co.uk Lincoln Underwriting is part of Imperium Insurance Management Ltd, the specialist Managing General Agent, created to empower brokers by making it easy to obtain specialist insurance solutions.

23 ifarm Insurance ifarm Underwriting is the newly formed farm division of Imperium Insurance Management Limited - a multidiscipline underwriting Managing General Agent providing brokers with specialist insurance solutions. Imperium was created by the shareholders of Direct Insurance Group PLC a 35m GWP retail and wholesale Lloyd's broker specialising in schemes and affinities. Target Clients: > Residential property owner/bed and > Farm estates / livery stables / smallholders breakfast (own dwelling) & holiday Lets > Livestock showing Commercial buildings let for agricultural use > Farm estates / livery stables / smallholders > Provision of up to 25 tent or caravan pitches > Dairy / egg producers including storage of caravans > Pig / poultry / livestock > Creation of bespoke solutions where required > Farm estates / livery stables / smallholders > Attendance at farmers markets for sale of > Horticulture / arable own produce > Lessor of land Benefits & Features: > 'A' rated capacity > Easy for you to place 'hard to place' risks - through wide underwriting footprint and access to Direct Insurance London > Exclusive distribution model - cover via select brokers who have an expertise in this class > Competitive commissions across all product lines > Specialist wordings available for scheme opportunities to give you an edge > Easy to trade - 'quote and buy' facility due to be launched in the near future > Online claims tracking facility We only provide one quote in the market - supporting agents will be given priority and our prompt turnaround will give you the edge you need. Call us today to discuss your requirements or info@ifarmunderwriting.co.uk Tel: