Casualty - UK and Ireland


MSIG is one of the leading providers of specialist liability coverage in the UK & Ireland.We understand the importance of a local presence in these key markets. Combined with our ability to make all underwriting and claims decisions in the UK and Ireland, we offer a capability that speaks to the needs of our regional brokers and their customers.

Backed by the financial strength of both our parent company, and the Lloyd’s chain of security, our financial strength is one of our major attractions. The strength of our balance sheet and our expectation of long-term positive returns gives even the most security-conscious buyers the peace of mind that we will be here to pay claims in years to come. In recent years we have firmly established the intellectual capital, the attitude and the cross-class packaging capability that makes us a market of choice for brokers and clients.

We are proud of the fact that our underwriters are empowered and take a solution-driven approach; we will always consider risks that other carriers may consider too unusual, complicated or severe and if there is a way to build a successful solution, we’ll find it. These are just some of the ways we set ourselves apart from the competition.


We have invested heavily in our UK and Ireland structure and now have offices in Belfast, Birmingham, Dublin, Glasgow, Manchester, London and Reading, which opened for business in January 2015. Our commitment to local relationships is clear, and at the heart of our offering.

We understand the importance of a local presence in these key markets. Combined with our ability to make all underwriting and claims decisions in the UK and Ireland, we offer a capability that speaks to the needs of our regional brokers and their customers.


Risk Engineering is one of the core strengths of MSIG and is central to our underwriting process. Our risk management support programmes provide:

  • Technical excellence - our Account Managers have great depth and breadth of professional expertise and can call on specialist consultants who are leaders in their fields. Innovative solutions to real world problems - our programmes and IP protected products are developed specifically to respond in a practical way to the risk management challenges faced by our clients.
  • Cost savings - our risk management programmes are directed at the root causes of losses and claims.
  • Cutting edge technology - our systems are being continually developed to ensure that clients and brokers always have access to the most comprehensive risk management data in the market.

We work closely with our clients to understand their organisation and to assess their risk management policies and procedures, allowing us to implement programmes which complement their own corporate strategies.


Working together with our customers and brokers we are able to design a bespoke claims service specifically suited to your business needs. Forming a multi-disciplinary team with our Underwriters and Risk Engineers, we help customers to enhance their processes and procedures to help reduce the likelihood of claims occurring.

Our highly experienced team of Claims Adjusters work in tandem with selected Third Party Administrators and are able to approach your account both on a claim by claim, and on a portfolio basis, ensuring claims are robustly defended, or speedily settled, to manage costs and protect our customers business.

We offer regular reviews to provide awareness, advice and guidance. All claims will benefit from a desktop or site visit, effective rehabilitation review, anti-fraud screening and total transparency throughout the life of the claim. Online access and MI are available and easily accessible so you will always be right up to date with the status of any claim.

We believe that each and every claim is important and our claims service is the delivery of the promise we make to you when you place your business with us. We provide a 24/7 claims service which ensures that help will be at hand the moment a loss is reported to us.

From low value slips and trips to catastrophic injury and complex products liability losses, you can be sure that the Casualty Claims Team at MSIG are accessible to you and ready to assist customers and brokers to ensure the best possible outcome.


Our UK & Ireland portfolio is the most mature part of the Casualty portfolio, and we still have many clients who moved their business to us in 2001 who have remained with us ever since.

The UK & Ireland business that we underwrite, is a balanced mixture of medium to large corporate accounts, trade specific initiatives, and Coverholder business for discreet niche sectors written on both a Primary and Excess of Loss basis. We currently offer:/

  • Primary, Umbrella and Excess Liability
  • UK & Ireland Employers’ Liability
  • Public Liability
  • Products Liability

Our offering combines quality underwriting service with our full claims proposition (link to claims) and exemplary risk engineering (link to Risk Engineering) capability. We have a broad appetite with major areas of expertise being

  • The Healthcare Sector
  • Construction
  • Recruitment Consultants
  • Tour Operators
  • Leisure and Hospitality
  • Public Sector
  • Offshore exposures
  • Utilities
  • Food and Drink
  • Niche Coverholders

We aim to underwrite more technically challenging risks where trade specific knowledge enables our underwriters to show their worth to both brokers and to the client.


Mitsui Sumitomo MultiPeril is the complete commercial package policy, designed to offer market-leading coverage with innovative 21st century extensions provided as standard for most clients.

It offers differentiated All Risks Property and Business Interruption covers, combined with Employers, Public and Products Liability. No other policy provides the same levels of cover and automatic extensions, making Mitsui Sumitomo MultiPeril truly unique.

There is also a wide range of meaningful additional covers included; many of which are provided automatically at no extra cost. We understand our local markets better than most and all underwriting and claims decisions are made locally with no outward chain of referral to a head office.

With a foundation of strong and enduring client relationships - over many years - the team is able to provide tailor made, pragmatic and flexible solutions to meet client's specific requirements, now and in the future. Below are key features and cover highlights to allow you to compare Mitsui Sumitomo MultiPeril with you or your client’s existing policy.

  • No automatic warranties or conditions precedent to liability
  • No condition of average
  • Full theft cover
  • Interest-free instalments available
  • No business description
  • Claims preparation costs
  • Legal expenses cover – £100,000 (free of charge)


At MSIG at Lloyd's, we offer a flexible underwriting approach to all Accident and Health business.

We write all our business through the Syndicate and differentiate ourselves by the service levels we provide both from an underwriting and claims perspective. Our underwriting appetite is broad across all occupational classes and we seek to find solutions to both our brokers and clients, with a flexible and proactive approach to business.

General cover provided is:-
  • Accidental Death, Permanent Total Disablement, Capital Benefits and weekly disablement benefits (accident and sickness)
  • Business Travel including Medical Expenses, Travel Disruption (cover for natural disaster events such as volcanic ash provided), Property, Money and a host of other benefits where we have partnered with Healix International (our chosen Medical Assistance provider) and The ANVIL Group (our chosen Security Assistance provider) to enhance our product capability and offering
  • Strong appetite for UK Group Personal Accident and Business Travel written on our own UK Group PA and BT product
  • Lloyd's Binding Authorities
  • International Lloyd's Direct and Facultative business
  • Associations and affinity groups

We strive to build long term relationships with our business partners/brokers and have autonomy for our own decision making. We have excellent security and capacity which enable us to provide a solution to a broad range of industry sectors.


Syndicate 3210 has been offering Professional Indemnity products since 2000 – providing tailored underwriting solutions for both individuals and businesses. We offer a number of industry-specific products to both traditional and emerging market professions on a primary or excess of loss basis.

We also have the ability to offer bespoke solutions, often working in conjunction with colleagues in other departments, to develop multi-line products aimed at niche industry sectors.

We currently offer professional indemnity to a wide range of business classes including:

  • Accountants
  • Architects
  • Design & Construct
  • Engineers
  • Estate Agents
  • Information Technology
  • Management Consultants
  • Media and Marketing
  • Miscellaneous professions
  • Security
  • Solicitors (Excess of £10m)

Our maximum line size is £10m.

We work closely with our Healthcare, Directors’ & Officers’, Casualty and Accident & Health teams and have many proven successes in writing cross-class deals. Our brokers often praise our willingness and ability to put together a bespoke product where there is no existing solution.


Syndicate 3210 has been offering Directors' and Officers' Liability Insurance on a Primary and Excess basis since 2013. In that time the book of business has grown through varied distribution channels such as Delegated Authorities, Broker Facilities and open market placements.

In addition to the D&O led product offering we have the capability to underwrite Employment Practices Liability, Fiduciary Liability, Commercial Crime, Public Offering Securities Insurance and Financial Institution Professional Indemnity.

The team of three led by Andy Pecover, operates out of the MSIG London office and the Lloyds Building at Box 379 on the third gallery. With over 30 years of combined experience in the London insurance market the team focuses on high service levels and customised solutions for its clients.

Through the Lloyds of London platform we have the ability to underwrite business in 80 plus countries including those domiciled in North America. All capacity provided is through the Lloyds Syndicate and is in addition to any other capacity provided by our parent company removing any distribution conflicts with local offices.

We have a broad appetite across all industry sectors for public and private companies including those with American Depositary Receipts and full US security listings. Financial Institution’s such as Commercial Banks, Investment Banks, Insurance Companies, Brokerages and Investment Companies can also be considered on an excess basis.

Primary and excess layers can be written on a 100% or co-insurance basis with Lloyds of London capacity available up to £15m / US$25m / €20m or currency equivalent per risk. We also lead and manage the largest London D&O Consortium with £45m / US$75m / €60m capacity for Commercial risks including those with American Depositary Receipts and full US security listings. The Consortium is supported by five established Lloyds of London Syndicates with financially strong parent companies.





We understand that in a market environment like the UK & Ireland, brokers and customers have choices. That is why we strive to excel in these key areas:

With our UK & Ireland business, we offer cutting edge solutions for Property and Casualty risks in the commercial mid-market.


We combine excellent products, such as Multiperil, backed up by a top quality claims service and exceptionally strong capabilities in Risk Engineering.


We understand the importance of a local presence, which is why we have invested in our network of offices to help provide local solutions.


Global reach,
local decision
making
As part of the MS&AD group, we benefit from the global reach and financial strength of one of the top ten non life insurance companies in the world. Added to the Lloyd's chain of security, we are one of the most financially sound syndicates in the market today.
Scottish Provident Building
7 Donegall Square West
Belfast BT1 6JH
Northern Ireland
t: +44 (0)28 9091 8360
Orega Birmingham
Colmore Plaza
20 Colmore Circus
Queensway
Birmingham B4 6AT
t: +44 (0)121 262 4150
5th floor, Trinity Point
10-11 Leinster Street South
Dublin 2
Eire
t: +353 (0)1 614 9410
218 St Vincent Street
Glasgow
G2 5SG
t: +44 (0)203 162 8350
25 Fenchurch Avenue London
EC3M 5AD
t: +44 (0) 207 977 8321
f: +44 (0) 207 977 8300
2nd Floor, 3 Hardman Square
Spinningfields
Manchester M3 3EB
t: +44 (0) 161 914 9795

1210 Parkview
Arlington Business Park
Theale
Reading RG7 4TY
t: +44 (0121) 262 4152

Mark Iceton

Class Underwriter - Liability
Mob: (+44) 7890 526 756
Desk: (+44) 20 7702 6302

Martin Leeks

Class Underwriter -
Liability/Accident & Health
Mob: (+44) 771 413 7745
Desk: (+44) 20 7977 8333

Avraam Avraam

Class Underwriter - Healthcare
Mob: (+44) 7850 747 944
Desk: (+44) 20 3162 8386

Stuart Wood

Class Underwriter - PI
Mob: (+44) 7909 923 466
Desk: (+44) 20 7977 8336

Andy Pecover

Class Underwriter – Directors' & Officers'
Mob: (+44) 7736 771 844
Desk: (+44) 20 3014 7949

I joined MSIG in 2006, with the responsibility to establish an International Casualty account. My background has always been in Casualty but has covered UK business, Reverse Flow business, Multinational business and International. Joining MSIG provided me with my first insight into the Lloyd’s framework and the advantages that the Lloyd’s licences bring along with opportunities to write Coverholder business which now forms a significant part of my portfolio. Our excellent Casualty team continues to grow and each acquisition brings new opportunities to diversify and strengthen our proposition as we find new territories to trade in and innovative products and ways to trade with them. We also take pride in developing our own talent by promoting from within. Allied to the Lloyd’s platform, our parent’s balance sheet behind us provides a chain of security that is a serious proposition for us to present to clients across the world.
I joined MSIG at Lloyd’s in August 2011 to predominantly run the UK Casualty portfolio but my role has continued to expand and now includes oversight of our Worldwide Casualty Healthcare book and management of our Accident and Health portfolio. I have been underwriting in the London casualty market for over 25 years and have written a range of Primary and Excess, UK, International and US business as well as developing Multinational portfolio’s. Over my career I have built up a good understanding of a significant number of key trades and professions and got to grips with the processes undertaken within them to better understand the risks that each one presents and being able to align this with the right programme design and coverage. We have an excellent Casualty team which continues to grow and develop with new underwriters joining from other insurers and importantly by developing our own talent by promoting from within. Our team has the ability to develop solutions for each individual client and to look beyond the norm using a real “can do” mentality. One of the great things about our portfolio is its diversity from individuals and small businesses via Binders and Coverholder arrangements through medium size Primary and Excess policies and right up to large Mutuals and Multinationals.
I've been part of the UK & International liability team at MSIG as the Class Underwriter for Healthcare since May 2014, having previously underwritten Healthcare and associated lines at different syndicates in Lloyd’s, and I was also a Lloyd’s broker prior to that. I have over 25 years of market experience, with the majority of it being in the Healthcare and Medical Malpractice arena with a strong interest in the Aesthetic and Cosmetic Practitioner market. The ability to expand the existing Healthcare book going forward with a true cross class offering appealed to me and to my decision to join the MSIG Casualty Team. The autonomy in Underwriting that the role gives me was appealing to me when making the transition from my previous employer and this has been very quickly realised since joining MSIG given my involvement with the online underwriting and placement program, namely, MS-sign.
I joined MSIG in Sept 2009. I have been underwriting professional indemnity in the London market since 2002 and have experience in underwriting a broad range of both traditional and emerging professions, with a particular focus on the IT/Technology sector.
I joined MSIG in July 2013 to launch the Directors and Officers Liability portfolio (D&O) which whilst MSIG had some existing capabilities and relationships in these products was complimentary to the other Liability & Professional Risks classes which we have continued to enhance as well as looking to provide a specific MSIG Global D&O Offering from Lloyds. I began my insurance career in 1997, entering the D&O world in 1999 as a broker before moving to underwriting at the end of 2007 and have had experience in developing both North American and International Management Liability clients throughout that period and I am looking to draw on those experiences in building out MSIG D&O offering. The appeal of working for MSIG was the challenge of building a truly Global D&O portfolio supported by a Global Insurance Company with its excellent platform and fantastic security, which is so important for clients in long-tail business. We have seen great success with exploiting niche areas and now we are focussing on bringing those niches together through a variety of distribution models into our target territories.