Property - UK and Ireland


With our UK and Ireland Property business, we offer cutting edge solutions for Property, 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 and business continuity services.

We provide conventional property underwriting, with particular expertise in combined solutions for Professional Services, Engineering and Manufacturing, Construction, Entertainment and Leisure, Real Estate, Corporate - Risk Managed, Technology, and the Retail sectors.

Typically our cover would include:

  • Material Damage - Defined Perils cover - All Risks option available and including cover for photographic equipment, portable electronic equipment, mobile phones and employee tools
  • Business Interruption - Defined perils or All Risks options available
  • Deterioration of Stock Personal Effects
  • Money and Personal Accident (Assault)
  • Terrorism
  • Deterioration of Stock
  • Legal Defence fees and expenses incurred

Product enhancements available include:

  • Interest-free premium instalment payments
  • Claims information online
  • Legal assistance and expenses cover included as standard
  • Business continuity – Office/Data recovery and crisis control planning
  • BusinessRisc - An online tool providing a complete personalised risk management system
  • Building Assessment Surveys to help identify potential fire and flood risks

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.


We have a highly experienced underwriting team with the capability and support to deliver an outstanding proposition. We are proud to deliver a service led proposition which is widely recognised in the market today. We feel this helps to set us apart from our competitors.

Most of our business is written via the company market; however we also trade via our Lloyd’s box on a subscription basis. Our product caters for all types of property portfolios and provides extensive cover recognising the unique and evolving nature of the Real Estate sector.

With all underwriting, claims and risk management decisions being made locally through our regional network of offices; our Real Estate team is able to work in partnership with you to provide a fast and pragmatic solution for your insurance needs.

Our approach

  • To ensure timely delivery of a quality, competitive product throughout the life cycle of the cover
  • To tailor make the product with you to meet your needs on Underwriting, Risk Management, and Claims
  • To build a price which accurately reflects the unique qualities of your portfolio
  • To deliver a consistent service that will favourably differentiate us from other insurers
Expertise
  • The Real Estate team has been working together since 2005, and has a combined 150 years of insurance knowledge and expertise
  • The capability and support to deliver an outstanding service proposition
Understanding
We work with you to understand your needs, and use our:
  • Flexibility
  • Claims and Risk Engineering services
  • Global strength and reach
  • Total local autonomy (no referral to Head Office)
  • to provide a tailor made product for you
Appetite for Risk
Commercial portfolios, and selectively on Residential

Coverage
A fresh market leading “All Risks” and Liability wording, plus our ability to tailor covers for major customers.

We have a very experienced and longstanding Construction team at MSIG. Our main focus is the UK and we underwrite projects of various types and annuals (especially packaged policies).

Most of our business is written via the company market, however we also trade via our Lloyd’s box on a subscription basis where we will seek to provide lead capacity. We also underwrite international projects introduced to the London market.

Our capability is backed-up by an expert, internal Risk Engineering team.

We pride ourselves on offering a high level of service at every stage of the process. Our team also benefits from a very broad experience and we are therefore technically responsive and ultimate decision makers.

All underwriting and claims decisions are made locally. Our main strength is our diversity and our innovative approach to finding underwriting solutions for our brokers and their customers.

We are diverse in product - Projects and Annual Contractor policies including:

Coverage types

  • Contractors All Risks
  • Erection All Risks
  • Advanced Loss of Profits
Sectors
  • Building
  • Utilities
  • Ground-workers
  • Power generation
  • Water treatment
  • Property developers (commercial/office/retail)
  • Civil Engineering
  • Transportation
  • Pipe-laying
  • Heavy industries

We are diverse in our geographical reach - we underwrite international projects utilising our Lloyd’s licence.

We are diverse in our approach to underwriting – we look for solutions to write risks however complex and challenging.

When we write Annual Contractor packaged policies (EL/PL and CAR), we work very closely with our experienced Casualty colleagues to offer the construction industry a joined up approach to underwriting, claims handling, and risk management.


Our highly experienced and empowered team of Underwriters aim to deliver a personalised service combining tailored insurance solutions including risk engineering, claims management and innovative programme design. With all of our team based on the same underwriting floor in Fenchurch Avenue, alongside our Corporate Casualty colleagues, we truly are a ‘one-stop shop’.

We are a respected lead writer of business, or we can participate as an influential follow office and can write primary, excess layer, full value placements, on either a direct or facultative basis. Unlike many, all of our underwriting and claims decisions are made locally, avoiding the need to refer to head office.

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.


We have a highly experienced team of underwriters who have expertise in assessing complex risks and can offer tailor-made package solutions to meet the needs of most UK businesses.

Our aim is to deliver a fast and efficient service at every stage, which we see as favourably differentiating us from most Insurers. We target well-managed corporate, and medium sized entities, that can demonstrate a positive attitude to risk management practices. Our in-house Risk Engineering team is widely known and respected for their proactive approach to loss mitigation.

Our comprehensive, and highly regarded, MultiPeril wording is a Commercial Combined product designed to provide broad coverage, with innovative 21st century extensions provided as standard to most customers. It offers differentiated All Risks Property and Business Interruption covers, combined with Employers, Public and Products Liability. Few, if any, policies provide the same high levels of cover and automatic extensions. Unlike many, all of our underwriting and claims decisions are made locally, avoiding the need to refer to head office.

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.





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