Business Interruption – FCA test case

For information about the outcome of the FCA’s test case into how insurance policies respond to business interruption claims as a result of Covid-19 please visit this page.

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A solution designed for you

Our Risk Managed Property insurance is designed to cover the wide-ranging needs of large businesses around the world. We work closely with you to understand your approach to risk, then tailor our solutions to meet your specific requirements.

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Our dedicated in-house risk consultancy team work with businesses around the world to focus on pragmatic solutions to complex risk challenges.

Specialist teams with global reach

We have dedicated teams for a range of businesses, including:

  • UK-domiciled companies interested in global programmes to be written with their subsidiaries and sister companies based elsewhere globally.
  • Companies domiciled outside the UK interested in having a programme written for their subsidiaries and sister companies.

As part of our service, we support a broad spectrum of trades but scale back capacities according to the occupancy or catastrophe hazards to help manage costs. The capacity can be deployed on an excess of loss, quota share, primary or loss limited basis.

Flexible cover, personal service

Cogs Magenta

Deep expertise

We have more than 300 years of commercial property experience for all types and sizes of companies.

Checkbox Magenta

Bespoke solutions

Our expertise means we can tailor cover to suit the specific needs of each business.

Underwriting Magenta

Reliable, efficient claims

Our in-house claims team is fast and responsive – so when you’re due a claim, you get it as quickly as possible.

Headset Magenta

Help when you need it

To make sure you get the best out of our service, our underwriting team is always happy to help.

Business appetite

  • Examples we target and are most competitive in include:

    • Food
    • Rail
    • Retail
    • Wholesale international property risks
    • Manufacturing
    • Chemical/Pharmaceuticals
    • Logistics
    • Telecommunications
    • Offices and professionals
  • We can offer particularly good deals for:

    • Good risk management
    • Minimal critical CAT
    • Strong loss experience
    • Spread of risk
    • Risk exposure predominantly in developed economies
    • Central control of risk management
  • Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

    • Mining risks
    • Petrochemicals
    • Semi-conductor manufacturing
    • Standalone unoccupied properties
    • USA-domiciled clients
    • Recycling and waste

The right expert on your claim

Direct access to decision makers

A highly experienced team responds when things go wrong. For you, this means minimum disruption and getting things back on track quickly.

Dedicated loss adjusters

Our adjusters take ownership of any claim and deal directly with you to arrange visits and agree settlements.

Bespoke supply chain service

Customers get access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.

Commercial property claims information

Get an overview of our claims service for commercial property.

    • We put you in touch with a tradesperson from our carefully selected panel.
    • You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
    • If damage is significant, we put you in touch with our loss adjusting service.
    • We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
    • Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
    • Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
    • Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.
    • Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
    • The team have the skills to manage major events and protect your customers’ financial and reputational interests. 
    • We work with you and your customers to plan for serious losses with potential high impact to their business.
    • Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place. 
    • A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
    • This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
    • We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.

Downloads and documents

View and download policies, fact sheets and more.

Speak to our team

For more information and to get a quote, speak to one of our real estate specialists. They’ll be more than happy to answer any questions and can provide you with fast decisions.

Kevin Demmon

International Property Underwriter

DD 0207 337 5972 kevin.demmon@uk.rsagroup.com

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