MATRIX
UNDERWRITING

- our porducts

Three core products,
written with judgement.

Writing the risks that the online portals consider "non-standard" - each handled by underwriters who know the class inside and out.

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PRODUCT 01

Property Owners

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.

  • Residential, commercial & mixed-use
  • Single property to large portfolios
  • Unoccupied & non-standard construction considered
  • Loss of rent & property owners liability

Typical Appetite

Blocks of flats Shops with flats above Offices & light industrial Portfolio risks
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PRODUCT 02

Commercial Combined

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.

  • Material damage & business interruption
  • Combined employers & public liability
  • Stock, plant, machinery & goods in transit
  • Adaptable wordings for unusual trades

Typical Appetite

Manufacturing Wholesale & distribution Retail hospitality
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PRODUCT 03

Combined Liability

Standalone liability cover for contractors, trades and businesses that need a dedicated liability line — written by underwriters with real appetite for the risks mainstream markets won't speak to.

  • Employers liability
  • Public & products liability to £10m LOI
  • Contractors & labour-only
  • Higher-hazard trades considered

Typical Appetite

Contractors Tradesmen Property services Manufacturers

ADDITIONAL PRODUCTS

Other products

Specialist lines available alongside our core products. Speak to an underwriter for appetite and availability.

01

Land Owners Liability

Public liability cover for landowners and rural estates — including farmland, woodland, sporting rights and mixed-use rural properties. Written on a standalone basis or alongside a property owners policy.

  • Public liability up to £10m
  • Farmland & agricultural land
  • Woodland & forestry
  • Sporting rights & estates

Typical Appetite

Farmland Woodland Rural estates Sporting rights
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02

Legal Expenses

Commercial legal expenses cover available as an add-on to property owners and commercial combined policies. Underwritten by ARAG — one of the UK's leading legal expenses insurers.

  • Property disputes & nuisance
  • Contract disputes
  • Employment disputes
  • Tax investigation cover

Underwritten by

ARAG
⤓ Wording & IPID

Available as an extension to Commercial Combined policies.

03

Contractors All Risks

Contract works and contractors all risks cover for building and civil engineering projects. Available on a single-project or annual basis for contractors undertaking a range of construction activities.

  • Contract works — material damage
  • Contractors plant & equipment
  • Public & employers liability
  • Tools Cover available

Typical Appetite

Building contractors Civil engineering Groundworks Refurbishment
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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.