MATRIX
UNDERWRITING

- our porducts

Three core products written with judgement.

Focused cover for the risks that don't fit the standard online offerings - each handled by underwriters who know the class inside and out.

WHAT WE WRITE

Our products

Three specialist lines. Each written by underwriters with real appetite for the risk.

01

Property Owners

Cover for residential, commercial and mixed-use property portfolios.

A flexible property owners facility built for the realities of a modern portfolio — single units through to large, mixed-tenure schemes. We write the risks other markets find awkward, with underwriters who make decisions rather than defer them.

Cover highlights
  • Residential, commercial & mixed-use
  • Single property to large portfolios
  • Unoccupied & non-standard construction considered
  • Loss of rent & property owners liability
Appetite
Blocks of flatsShops with flats aboveOffices & light industrialPortfolio risks
02

Commercial Combined

A single, tailored policy across the trading risks an SME faces.

One coordinated contract covering material damage, business interruption, liability and more — structured around how the business actually trades. Ideal for manufacturers, wholesalers and established trade businesses that have outgrown packaged products.

Cover highlights
  • Material damage & business interruption
  • Combined employers & public liability
  • Stock, plant, machinery & goods in transit
  • Bespoke wordings for unusual trades
Appetite
ManufacturingWholesale & distributionEngineeringEstablished trades
03

Combined Liability

Standalone liability cover for businesses that need it separately.

Public and employers liability written on a standalone basis for businesses that carry their property elsewhere or need a dedicated liability line. We consider higher-risk trades and non-standard occupancies that standard markets decline.

Cover highlights
  • Public liability
  • Employers liability
  • Products liability
  • Higher-risk trades considered
Appetite
ContractorsHospitality & leisureManufacturingEvents & promotions
APPROVED BROKERS ONLY

Ready to place business with an underwriter who answers?

Join our panel of approved brokers and get direct access to decision-makers across all three products.