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We provide deep expertise, attentive service and tailored business insurance solutions to help manage exposures and minimize loss across a wide array of industries.

Casualty

Downloadable Resources

Casualty Company Brochure

Casualty Lloyd's Brochure

Overview

Our underwriters understand that a “one size fits all” approach doesn’t work. We work in partnership with brokers and clients to design bespoke programs tailored to their individual requirements and specific complexities, giving clients the confidence that they have the right cover in place to protect their business and staff should things go wrong.

We provide Casualty solutions for Primary and Excess of Loss, across Employers Liability, Public Liability and Products Liability, for businesses domiciled or headquartered in the UK, with limits up to £25m. To find out more about Casualty solutions for companies headquartered outside of the UK, please refer to our Lloyd’s capabilities.

Why do businesses choose us?

Diverse Program Structures
We have capabilities spanning guaranteed cost through to loss sensitive and risk sharing program structures including non-conventional, captive, large deductibles and self-insured retentions.

Local Responsiveness
CNA’s branch network with local Casualty underwriting expertise provide solutions for brokers and customers throughout the UK. Our limited distribution model ensures our service is targeted to our most important brokers.

Multinational Solutions
Our dedicated International Solutions team write across over 200+ countries and territories worldwide, ensuring global covers are placed efficiently and are fully compliant with local requirements. The state-of-the-art CNA ComPass^TM technology platform gives clients real time access to view and manage their local admitted placements worldwide in real time.

Claims
Casualty claims are highly complex. Our experienced team has the expertise, local jurisdictional knowledge and catastrophic claim proficiency to provide high standards of support and service for every policyholder. Our panel of trusted third party loss adjuster and law firm partners can provide bespoke solutions for non-conventional and loss sensitive program structures.

Risk Control
Our dedicated Risk Control team helps clients identify exposures before they become claims. Using cutting edge technology and deep industry expertise, our Risk Control consultants offer systematic, sustainable solutions that can help companies mitigate risk and protect their bottom line.

Company

Our Primary Casualty solutions are designed to serve a wide range of clients and industries. Our collaborative, flexible approach helps us to respond quickly to the needs of brokers and policyholders.

Our comprehensive policy wording provides numerous enhanced covers as standard.

Who do we insure?

We specialise in providing standalone, bespoke Casualty solutions for large or complex customers. We have a broad appetite and are able to tailor coverages and program structures to meet the needs of individual customers and their brokers.

Target Industry Sectors:

Professional, financial, administrative and support services
Wholesale, distribution and warehousing
Retail
Real Estate
Hospitality, leisure and entertainment
Manufacturing

Out of appetite:

Chemicals
Agriculture
Local authorities
Aircraft and aerospace products

Excess of Loss

The importance of having sufficient liability cover has never been greater for businesses. Even relatively small incidents can exceed standard limits and result in large claims that can have a catastrophic impact on a company's balance sheet and their reputation.

We have very broad appetite for Excess of Loss Casualty across a wide range of industry sectors and customer sizes, providing capacity up to £25m. Brokers can access our Excess of Loss cover either through our team of specialist underwriters across the UK or via our online Excess of Loss platform – CNA Online.

Capabilities include:

Excess Public & Products Liability
Excess Employers Liability
Excess Non Negligence 6.5.1
Excess Motor Third Party Liability
Excess Multinational General Liability
Single Project Construction Excess of Loss
Shared & layered; lead and follow

Why buy higher limits of insurance?

Many insurers are reducing their primary limits, yet businesses are demanding greater protection against large liability claims that could impact their solvency and reputation. Some of the reasons for this demand are:

Personal injury claims are getting larger

Advances in medical science, longer life expectancies and increasing care costs mean that claim payments can more frequently exceed £10m.
Discount rate changes mean catastrophic injury claims have increased significantly.

Changing contractual demands

Companies working for local authorities, property owners or contractors are often required to hold £10m+ indemnity limits prior to commencing work.

Multiple injuries occurring from a single event

Companies with large number of employees or visitors within the same building face the potential for a single incident to cause multiple injuries that can quickly add up to claims that exceed traditional primary limits of indemnity.

Third party property values

Many of the largest public liability claims are a result of fire caused by heat. Public liability indemnity limits should cover the damage to 3rd party property and any business interruption suffered as a result which can often exceed standard cover limits.

Critical products exposures

It can be difficult to quantify the claims potential of a product, especially when that product is a component part. Brokers and their clients need to consider the end usage of their products, the potential for product failure to result in injury or damage and whether there are exports to North America where claim values can be much higher.

Lloyd's

Our Lloyd’s Casualty team is a centre of expertise providing innovative products for the world’s most complex, high hazard and difficult to place risks.

Our clients choose us for the following benefits:

Wide range of cover with value-add services
Direct access to experienced underwriters at the box
Underwriters have wide-ranging authorities enabling fast decision making
Quick turnaround times for quotes & midterm adjustments
First-class claims service
Market-leading Risk Control engineers, centre of excellence for the Mining and Energy sectors

Available from our Lloyd’s Syndicate 382, we offer global insurance solutions for a wide variety of Casualty risks.

Retail and Wholesale
Primary and Excess of Loss
Umbrella solutions
Lead and Follow
Direct basis or as reinsurance

Who do we insure?

We provide insurance solutions for a wide range of global industry sectors, as demonstrated in our core appetite.

Specialist and General contractors
Single Project Construction
Mining
Downstream Energy
Upstream Energy
Power Generation
Chemical and Petrochemicals
Manufacturing (Industrial Goods)
Transportation and Logistics (inc Public Transportation)
Railway operating companies and rail infrastructure

What do we cover?

We understand the complex nature of Casualty risks and underwrite a comprehensive global portfolio of business, diversified both by product and distribution. Our core coverage as standard includes:

✓ Employers Liability (UK)
✓ Public Liability
✓ Products Liability
✓ Sudden & Accidental Pollution Liability
✓ Incidental Professional Indemnity
✓ Umbrella Auto Liability (Canada)
✓ Product Recall (Automotive component parts)
✓ Broad reinsurance treaty

We cater for insureds on a worldwide basis, with a focus on the following territories: Canada, Australia, UK, Continental Europe and Middle East Asia.