Our London and Bermuda casualty specialists operate at the intersection of risk innovation and market insight. Backed by decades of technical expertise and long-standing market relationships, we bring a measured yet inventive approach to structuring and placing casualty programmes globally.
Our US Casualty team offers solutions for clients with high-hazard operations and complex loss profiles. Working out of both London and Bermuda, we specialise in hard-to-place or capacity-constrained risks.
Our approach combines technical programme design with detailed exposure analysis, modelling severity scenarios, tailoring attachment strategies, and identifying where alternative risk financing mechanisms can enhance overall efficiency.
Our International Casualty team delivers bespoke placement and portfolio management services for a diverse range of industries. We understand the nuanced risk profiles of each sector and structure coverage that addresses core operational risks while anticipating future litigation trends and regulatory exposures.
We work directly with retail brokers, MGA platforms, captives, and risk managers to deliver structured placements with clearly defined coverage language, global compliance considerations, and multi-year strategies where applicable.
Our delegated authority services support clients seeking underwriting autonomy, capital efficiency, and service continuity across international portfolios.
Casualty insurance is a broad category that protects businesses against legal liability for injury or damage to third parties. Liability insurance sits within that category, typically referring to more specific policies like public, employers’, or product liability.
We place a full spectrum of casualty lines, including:
Whether you’re operating in a single territory or across multiple jurisdictions, we’ll tailor the structure to meet both contractual requirements and your risk appetite.
If your business has people, products, or premises, you likely need it. Casualty insurance is essential for companies with physical operations, public exposure, or employment risk. It’s particularly critical in sectors such as construction, manufacturing, logistics, energy, and healthcare.
General liability provides protection for:
We work with clients to ensure their policies address their real-world exposures, not just tick-box requirements.
Casualty policies usually exclude:
We help you identify where these gaps exist and close them where appropriate with complementary cover.
That depends on your industry, contracts, jurisdiction, and overall risk profile. We’ll guide you through your contractual obligations and help build a programme that fits your risk and budget.
This is an additional layer of protection that sits above your primary policies, kicking in when your base coverage is exhausted. It’s especially useful for high-risk industries or businesses entering new markets with more stringent requirements.
Insurers consider multiple factors, including:
We’ll present your business in the best possible light to the market, ensuring you benefit from competitive pricing and terms.
In some cases, yes, for example, Employers’ Liability is a legal requirement in the UK. In other cases, cover may be required by clients, landlords, or regulators. Regardless of whether it’s compulsory, it’s often the frontline defence protecting your balance sheet from significant loss.
Absolutely. Many clients benefit from Commercial Combined or integrated casualty/property programmes. We’ll advise you on the most efficient structure, balancing breadth of cover, limits, deductibles and cost.
Our casualty insurance team is always on hand to talk about ways we can join forces to take on the future.
