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ǿմý Commercial in the United Kingdom

Whether you're a mid-corporate or large multinational business, ǿմý Commercial in the United Kingdom is your partner to manage the fast-evolving risks of today and tomorrow. We are the ǿմý center of expertise for corporate and specialist risk insurance.
At ǿմý Commercial wework together for yoursuccess, preparing you forwhat’s ahead.
For intermediary use
This overview is for intermediary reference only. It does not detail the conditions, limitations or exclusions ofthe cover.
Please see the policy wording for further details.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Since the early days of aviation, we've provided airline insurance to all types of operator, from cargo and low-cost airlines to major fleets and national flag carriers.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We insure all types of general aviation risks: from single aircraft on a ‘private business and pleasure’ basis to the largest commercial fleets.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We provide tailored aerospace insurance to a wide range of clients, fromaerospace giants to small OEM suppliers and refuellers, covering all types of damage and liability.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer a range of products, from standalone cyber insurance to integreated coverage, safeguarding large organizations against digital threats and cybercrime.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We provide coverage for, including solo shows, motor sports, week-long festivals and national and international tours.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Our D&O insurance shields company managers of large companies from claims and reimburses the insured company for settlements paid on behalf of managers.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer directors & officers and professional indemnity products for UK based mid-sized businesses, traded via our specialist regional hubs.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We provide a strong product offering for financial institutions via a suite of products, either with stand-alone coverage or on a blended basis.
Offered by ǿմý Insurance plc
We offer directors & officers and professional indemnity products for UK based mid-sized businesses, traded via our specialist regional hubs.
Offered by ǿմý Insurance plc
A range of products for small to medium UK businesses is available through our trading solution QuoteSME or via imarket and major software houses.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We help your company evaluate, mitigate, and protect against environmental risks, with tailored solutions in the areas of premises pollution and contracting pollution.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Our specialist Clinical Trials Insurance team provide cover for every phase of a clinical trial, with locally compliant coverage given on an admitted basis.
Offered by
ǿմý Insurance plc
We offer tailored property and casualty solutions for UK based mid-sized businesses all traded via our UK-wide branch network.
Offered by
ǿմý Insurance plc
A range of packaged products for small to medium UK businesses is available through our trading solution QuoteSME or via imarket and major software houses.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Hull and machinery coverage for all types of blue- and brown-water shipping, plus shipyards and building risks, as well for mega yachts, yachts and pleasure craft.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Comprehensive insurance for all stages of the distribution chain, including goods in transit, storage risks, global programs and project cargo for specialist shipments.
Offered by
ǿմý Insurance plc
All risks cover for goods in transit worldwide or storage in the UK, available on annual or single trip policy for smaller transit values.

Offered by
ǿմý Insurance plc
Comprehensive solutions for both traditional and electric vehicle fleets of any size, traded digitally or through our UK-wide branch network.
Offered by
ǿմý Insurance plc
Products and services to suit the unique needs of UK-based businesses operating in the motor trade sector.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We cover diverse engineering sectors, including power and utilities, and heavy civil engineering projects. We also provide solutions for the most demanding and complex energy challenges as well as solutions for renewables/green energy.
Offered by
ǿմý Insurance plc
We offer comprehensive solutions for UK based mid-corporate construction businesses and for single construction or engineering projects, traded via our specialist regional hubs.
Offered by
ǿմý Insurance plc
Insurance and inspection solutions for UK based mid-corporate commercial operators of renewable power installations including; solar, wind, hydro and short term operational reserve installations (STOR), both during construction and whilst operational.
Offered by
ǿմý Insurance plc
We offer specialist insurance and inspection products to protect plant and machinery owned or leased by UK based mid-corporate businesses, traded via our specialist regional hubs.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer crisis management solutions, providing innovative assistance in handling various crisis scenarios such as terrorism, political violence, and hostile environments.
Offered by
ǿմý Insurance plc
We offer tailored property and casualty solutions for UK based mid-sized businesses all traded via our UK-wide branch network.
Offered by
ǿմý Insurance plc
A range of packaged products for small to medium UK businesses is available through our trading solution QuoteSME or via imarket and major software houses.

ǿմý Commercialis part of one of the world's strongest financial services groups and the.When you partner with us, you partner with ǿմý Group — and its sister companies.

Throughǿմý Trade, we offer a comprehensive range of solutions for managing commercial credits between companies. ǿմý Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, debt collection, fraud insurance, structured trade credit and political risk.

ǿմý Trade gives companies the confidence to trade, and be paid: They compensate your company in the event of a bad debt, but more importantly, they help you avoid bad debts in the first place.

Whenever ǿմý Trade provides trade credit insurance, surety bonds or other finance solutions, the priority is on predictive protection. Its international surveillance network monitors and analyzes the financial stability of 83 million companies across all sectors in 160+ countries. And when the unexpected happens, their AA credit rating (Standard and Poor’s) means they have the resources to provide compensation to maintain your business.

We will consider every risk on its own merit.Capacity and coverage offered to individual clients subject to hazard, Nat Cat exposure, grading, terms & conditions.
The products and services described on this page may not be available in all locations. This is for your general information only.

Structured multi-year/multi-line solutions

  • Address gaps caused by non-availability of traditional cover, e.g., Commercial Auto, Property, D&O
  • Often contain elements of risk financing/profit sharing, for clients who want to retain risk, but still need to manage volatility
  • Bespoke solutions that manage risk in an integrated way across lines and years
  • Long term arrangements, but able to adapt as needs change
  • Captive Solutions

  • Multi-line and multi-year global fronting as a stand-alone service
  • Structured per event and aggregate excess of loss captive reinsurance
  • Virtual Captive Solutions

  • Insurance framework designed to create the economic benefits of a captive, when an actual captive is not a viable option
  • Broad range of P&C lines of business or a combination thereof
  • Can include both traditional and non-traditional elements, including parametric triggers
  • Global Fronting capability expands across 200+ countries and on a multi-line and multi-year basis, if needed
  • Transactions up to 5 years tenure
  • Capacity typically €25m per occurrence, €50m per annum (or equivalent in other currency), but can be lower or higher depending on structure
  • Risk Financing structures work best where traditional RoL > 10% and/or when the cost of combined average claims in the long term is significantly lower than the equivalent external premium spend
  • Reinsurance for insurance companies
  • Financial risks coverage; e.g. mortgage portfolios, capital relief
  • Unmitigated credit risks
  • Life insurance
  • Business and systematic risks
At the forefront of aviation insurance since the early days ofpowered flight we provide the full spectrum of lead aviationinsurance solutions to everyone from major fleets,manufacturers and airports to private pilots, ground handlers andniche component manufacturers.
  • Airlines
  • Selectively Increased line sizes
  • New business (especially as Lead)
  • Start-up airlines
  • Broad appetite to grow across portfolio
  • General Aviation
  • Selectively increased line sizes
  • Co-insurance business
  • Commercial fixed and rotor wing
  • Industrial aid
  • Broad appetite to grow across portfolio
  • Aerospace
  • Increased line sizes
  • Broad appetite to grow across portfolio

Airlines: Average target line 10%

General Aviation: US$ 300m (Liabilities), US$ 75m (Hulls)

Aerospace: MR OEM and GA OEM max line 10% NMR US$ / € 200m

Airlines: Banks and Lessors Contingent; Hull Deductible; and Hull War

General Aviation: Hi/Lo business; Agriculture; Stand Alone Hull War

  • Pharmaceutical
  • Medical Device
  • Up to €50m for Multi-Center Trials
  • Indemnity to the insured as “trial sponsor”, including pharmaceutical companies and contract research organisations
  • Liability for injury to a trial participant, including no-fault compensation where required
  • Coverage can be provided for the full length of the trial
  • Fully admitted policies in each territory in local language
  • Compliance with the local level of cover in all territories
  • Trials involving pregnant Women
  • Xenotransplants
  • Gene Therapy
  • Cell Therapy
  • Pure surgical procedures (where no drugs nor medical devices are tested)
  • Trials involving the deliberate transmission of infectious
    agents to participants
  • From smaller and to large size companies with international subsidiaries
  • Offering across all Industries for both private and public companies
  • Primary and excess positions
  • Broad product offering including standalone PTL, POSI and Crime solutions
  • Directors and Officers Liability inclusive of Side A
  • Employment Practices Liability (EPL)
  • Pension Trustee Liability (PTL)
  • Crime
  • Up to €25m
  • Standalone POSI
  • SPACs

EAR/CAR - Course of Construction

  • Annual Policies / Open Covers (Contractors, Owners / Principals)
  • Civil Engineering projects
  • Buildings
  • Manufacturing plants (all industries)
  • Oil & Gas (excluding Oil Sands)
  • Above Ground Mine development (excluding thermal coal)
  • Utilities
  • Conventional Power
    (excluding coal)
  • Renewable energy
    (Onshore Wind, PV, Hydrogen)
  • Coverages
  • High Nat Cat areas (single risks and accumulation with open covers)
  • High DSU exposures
  • Unproven technologies
  • Battery Storage
  • Geothermal power plants
    (above ground only)

CECR

  • Civil Engineering structures
  • Occupancies
  • Waste to Energy
  • Biomass
  • Hydro Power
  • Underground mine development
  • Timber / Wood frame construction

IDI

  • Commercial IDI
  • EAR/CAR - Course of Construction
  • Coal
  • Oil Sands
  • Solar Thermal power plants

IDI

  • Residential IDI
  • EAR/CAR - Course of Construction; Up to €200m

  • Single Projects, Annual Policies/ Open Covers including TPL, CPE, DSU

  • CECR / Operational Infrastructures (combined with CAR);Up to €200m
  • Inherent Defect Insurance (combined with CAR);Up to €25m

  • Inherent Defect Insurance
  • Selective growth appetite across virtually all industries, but with focus on per-account risk quality.
  • Preference for excess positions.
  • Primary stand-alone Cyber
  • Excess Cyber
  • Technology PI
  • Media PI
  • Up to €/£10m
  • Cryptocurrency
  • Payment processors
  • Pay day loan companies
  • Air traffic controllers
  • Adult entertainment
  • Online gambling
  • Central reserve banks
  • Trading platforms and stock exchanges
  • Social media platforms
  • Music streaming
  • Cyber Property Damage cover
  • Offshore Energy
  • Oil and Gas E&P assets including FSPO/FLNG/FSRU
  • Offshore Gulf of Mexico Wind
  • Offshore Renewables

Onshore Energy

  • Refining and Petrochemical assets
  • LNG processing
  • Chemical Fertiliser Plants
  • Renewables

- Wind

- Solar PV

- Hydrogen

- Hydro

- Carbon Capture

  • Conventional Power Plants
  • Mining
  • Thermal Coal
  • Mine Tailings Dams
  • Underground Mining
  • Tar Sands
  • Waste to Energy
  • Geothermal
  • Solar Thermal
  • Stand-alone fracking
  • Stand-alone drilling and
    land-rigs
  • Stand-alone OEE/TPL
  • Offshore Interconnectors
  • Tidal Power
  • Offshore Energy

  • Construction and Operational PD/BI/DSU/OEE/TPL
  • Onshore Energy

  • Operational PD/BI
  • Up to €/$200m
  • Global Advertising Wrap-up/DICE Insurance Programs
  • Global Motion Picture / TV Programs
  • Media Equipment
  • Sports/Events Liability
  • Theatrical and Global Conferences & Exhibition Programs
  • Production

  • Motion Picture Studio Productions
  • TV Production
  • Independent Films
  • Advertising Agency DICE Wrap-Ups
  • DICE: Documentaries, Industrial, Commercials and Educational productions
  • Post-production Facilities
  • Live – Events & Sports

  • Touring Entertainers
  • Festivals
  • Concerts
  • Live Events
  • Event Promoters / Producers
  • Sport events/ teams/ leagues/ federations
  • Corporate events/ fairs/ exhibitions
  • Equipment rental
  • Motorsport events/ teams/ associations/
    governing bodies
Communicable Disease, Cyber
  • Production Portfolio
  • - Cast
  • - Extra Expense
  • - Props / Sets /Wardrobe
  • - Miscellaneous Equipment
  • - Media: Negative Film & Faulty Stock
  • - Third Party Property Damage

  • Inland Marine / Equipment Floater
  • General Liability
  • Umbrella / Excess Liability
  • Workers’ Compensation / Employers’ Liability, Auto
  • Property
  • Foreign Package Liability
  • Contingency:
  • - Cancellation
  • - Non-appearance
  • - Transmission Failure
  • Large accounts and Middle market business in the following:
  • Manufacturing/ Process Industries
  • Energy (downstream)
  • Construction (practice and projects)
  • Real Estate
  • Retail Trade
  • Premises Pollution
  • Contractors Pollution
  • Up to €25m
  • Mining
  • Offshore
  • Nuclear
  • Hydraulic fracturing
  • Fireworks/fertilizer production
  • Clean-up cost cap/ finite risk
  • Oil pipeline/waste disposal sites written as such
  • Broad appetite across Financial Services with focus on Banks Insurance companies and traditional asset managers
  • Appetite for Large accounts and Middle market business
  • Broad product offering including D&O, FIPI, FICRIME, EPL and PTL
  • FID&O
  • FIPI
  • FICRIME
  • PTL
  • Up to €25m
  • Investment Banking and Stockbrokers E&O, REITS
  • Cryptocurrency – digital assets
  • ʴ’s
  • EPL
  • Aircraft leasing
  • Construction
  • Pharmaceuticals
  • Telecoms
  • Product / High Tech Manufacturing
  • Manufacturing & Automotive
  • Tailor made International Programs
  • Primary and Excess layer
  • Comprehensive wordings as
    per market standard
  • Up to €100m, depending on trade and individual risks
  • Waste Disposal/Recycling
  • Firearms
  • Helmets
  • Child Safety Seats
  • Automotive Recall
  • Amusement, Gambling & Recreation Industries
  • Healthcare Providers
  • Medical Malpractice (incl. Hospitals)
  • Cannabis/Tobacco/E-Cigarettes
  • Residential Real Estate
  • Complex business that requires local policies, risk controls and tailored underwriting/claims expertise
  • Multinational and Captive Programmes
  • Appetite for risks in a wide range of industries with a focus on risk managed accounts (e.g. manufacturers, importers/exporters and traders)
  • Stockthrouput policies and transit programmes
  • Project Cargo incl. Delay in Start-Up
  • International Transit, Domestic Transit; $100mn
  • Transi; $100m
  • Stock through-put; $100m
  • Project cargo, Delay in Start-Up

Tailored coverages with specialized wording linked to industry segments

  • International car accounts
  • Live animals
  • Underwriting experts
  • Our underwriters combine extensive Marine knowledge with a creative approach to risk to deliver imaginative, flexible solutions.
  • Claims and recovery experts
  • We maintain one of the largest and most knowledgeable Marine claims teams in the industry with many years of hands-on expertise involving all types of claims. The team are specialists in evaluating and providing solutions for Cargo claims ranging from simple losses to the most complex. We have dedicated recovery experts who look to achieve the best possible outcome for our customers.
  • Marine Risk Control
  • Our multidiscipline team of experienced risk control consultants, marine engineers, master mariners and logistics and supply chain security specialists provides technical expertise and proactive risk control solutions across a wide range of Marine risks and international cargo transportation.
  • Blue Water Hull
    - Chemical / Product / Crude Oil Tankers
    - LNG / LPG / LNP Carriers
    - Offshore Supply / Support vessels
    - Bulkers
    - Container vessels
    - Cargo carriers
  • Marine Liability (Including Marine Property)
    - General Marine Liability
    - Port & Terminals including Marine Property
  • Specialized binders and facilities
    (e.g. super yachts, brown water, etc.)
  • Blue Water
  • Brown Water
  • Pleasure Craft
  • Builder’s Risk
  • Marine Liability(Including Marine Property)
  • $75m
  • Fishing Vessels
  • Livestock carriers
  • Underwriting experts
  • Our underwriters combine extensive Marine knowledge with a creative approach to risk to deliver imaginative, flexible solutions.
  • Claims and recovery experts
  • We maintain one of the largest and most knowledgeable Marine claims teams in the industry. Our claims professionals have many years of hands-on expertise involving all types of claims.
  • Marine Risk Control
  • Our multidiscipline team of experienced master mariners and marine engineers provide technical expertise and proactive risk control solutions to ship owners and the Marine industry.
  • With a wide range of clients from SME’s to large international firms
  • The ability to consider all professions within appetite
  • Primary and excess positions available as well being a lead market
  • Ability to support multi-product solutions in the construction industry
  • Accountants, Architects, Engineers, Contractors, Insurance Brokers, Management Consultants, Solicitors, Surveyors & Miscellaneous';€15m but up to €5m per client as standard
  • Single Project Professional Indemnity;€10m but up to €5m per client as standard
  • Key participant on Facilities and Delegated Underwriting
  • Financial Advisers / Financial Services
  • Surveyors with valuations
  • Waste to Energy

Service Orientated Occupancies such as:

  • Financial & Professional Services
  • Real Estate
  • Public Sector & Education
  • Hospitality & Leisure
  • Retail Trade
  • Airports, Transport & Logistics
  • Healthcare

Manufacturing/Process Industries such as:

  • Technology, Media, and Telecom
  • Manufacturing and Metalworking
  • Lifesciences and Cosmetics
  • Beverages
  • Waste disposal/recycling
  • Agriculture and forestry (incl. livestock/animal farms and growing/standing crops)
  • Coal-based companies
  • Food processing of meat products
  • All Risks and Natural Catastrophe Property Damage and Business Interruption
  • Up to €300m
  • Commercial Real Estate
  • Financial & Professional Services
  • Manufacturing Industry
  • Construction/Engineering projects
  • Entertainment/Sport/Film
  • Lifesciences and Chemicals
  • Technology, Media, and Telecom
  • Airports and Aerospace
  • Rail Operators/Public Transport
  • Security Companies
  • Nuclear Power Plants
  • Religious buildings/Places of worship
  • Governmental, Military and Police buildings
  • Embassies and Consulates
  • Mining
  • Terrorism, Sabotage, SRCC, Rebellion, Revolution, Mutiny, Insurgency, Counter-Insurgency, Coup de état, Civil War & War;Up to €100mn
  • Terrorism Liability (T3L)
  • Terrorism Event Cancellation
  • Active Assailant;Up to €50mn
  • Nuclear, Chemical, Biological & Radiological Terrorism
  1. Cyber incidents (40%) - 2022 rank: 1 (50%)
  2. Business interruption (37%) - 2022 rank: 2 (34%)
  3. Macroeconomic developments (34%) - NEW
Questions about insurance solutions for small- and mid-sized companies?
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Questions about insurance solutions for large companies or need specialty coverage?
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ǿմý Global Corporate & Specialty head office
60 Gracechurch Street
EC3V 0HRLondon
United Kingdom
Registered in England at UK Companies House FC039211 and BR024312. UK Financial Conduct Authority Register 214374.
ǿմý Insurance plc head office
57 Ladymead
Guildford GU1 1DB
United Kingdom
ǿմý Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 121849.