Direct Underwriting
Underwriting underpins everything we do.
In our three decades of trading, Bell & Clements has worked with some of the best underwriters in the market, so we know a thing or two about underwriting. And when it comes to individual, facultative and brokerage risks, you can be confident that our Direct Underwriting division has the experience and expertise you need.
With delegated authority from Lloyd’s and Great Lakes, we can make underwriting decisions for US wholesale brokers and managing general agents at our desks. No referral upwards or outwards – all of our underwriting decisions are made in-house with the minimum of fuss.
We take a long-term view of operating in our chosen business classes, both in our underwriting discipline and in our commitment to these classes. We have built up decades of experience in our markets and we look forward to building up many decades more.
Our experienced underwriting team caters for risks in the following areas:
Areas of Expertise
Commercial Property
We specialise in Excess and Surplus Lines markets and with our extensive underwriting experience and capability, all risks and classes are considered on their own merits.
Depending on the risk, we have maximum per risk capacity of $25m and can consider All Risks excluding or including Earthquake and Flood, Mono line Wind/Hail (including 1st Tier), full value or primary/excess layers and deductible buy-down.
Targeted Occupancies
Included but not limited to:
- Residential
- Lodging
- Retail & wholesale
- Warehouse & distribution
- Light manufacturing
- Hospitality
- Professional
- Municipal
- Health fitness & sport
- Servicing & repair
- Vacant
- Churches
Need more information?
Investor Owned Property
We have a specialist facility for Investor Owned Property schedules of 10 or more locations up to a TIV of $100m. We can also offer General Liability coverage for those requiring a package option. The facility is nationwide with capacity available in all territories.
We look for experienced investors who either manage their own portfolios or employ a management company and can demonstrate good housekeeping and maintenance procedures. The product is for single family dwellings for long term rental as we do not write apartment or condominium complexes under this facility.
Need more information?
High Value Homes
Our access Great Lakes allows us to review and consider all risks including wildfire exposures along with coastal exposure and remote and high protection class risks. We can consider a variety of occupancies including: Primary, Secondary, Seasonal, Tenanted, Short Term rental, Vacant and Construction exposures.
Our High Value Homeowners team have dedicated in-house underwriting authority and the ability to quote with a TIV up to $10m under Great Lakes, meaning however urgent the case may be, we are well placed to provide a quick response.
Our markets are able to consider a wide variety of exposures, so if in any doubt about what may be possible, try us. We’re always happy to explore new risks and turn them into opportunities for every party.
Need more information?
Transportation (Auto Physical Damage & Motor Truck Cargo)
We can consider a wide range of Auto Physical Damage and Motor Truck Cargo risks (stand-alone or combined) including:
- Short and Long Haul
- Single Units to large fleets
- Drive-a-way operations
- Agricultural
- Petroleum
- Liquids
- Reefer
- Produce
- New ventures
- Sand, Gravel, Aggregates
- Flatbed
- Garbage Haulers
- Oil and Gas
- Emergency Vehicles (Non-Blue Light)
- Loggers
- Busses (including tour and airport shuttle service)
Need more information?
Dealers Open Lot/ Garage Keeper's Legal Liability
Dealers Open Lot:
- Coverage for units held for sale or as demonstrators
- Windstorm, hail, flood and earthquake
- Both retail and wholesale operations
- Both new and used autos
- Furnished car coverage
- Unaccompanied test drives
- False pretence
- Full value, primary and excess of loss
Garage Keeper's Legal Liability:
- Coverage for units in the assured's care, custody and control
- Service operations engaged in repairing and servicing units
- Valet and self-parking operations
- Specialised storage facilities
- Towing and storage operations
- Direct primary available
- Full value, primary and excess of loss
Need more information?
Personal Fine Art & Jewellery
We can provide coverage for collectibles, fine art and jewellery.
Need more information?