When it comes to insurance, what we can offer here at Aviva is quite broad. You can find out more information below on our products and what we can offer.
Corporate lines & real estate Show more Show less
| Category | Product | Maximum Capacity | Typical Line sizes | Target Risks | Product Exclusions* | Additional Information | Multinational Capabilities |
|---|---|---|---|---|---|---|---|
| Property Damage and Business Interruption | Global Property Damage and Business Interruption coverage, including ancillary covers; Inland Transit, Money and Breakdown | GBP 250m | Capacity considerations; risk management, hazardous trade processes and critical catastrophe peril exposure Higher fronting limits available on Multinational programmes | Risk-managed companies; – retaining a level of self-insured retention commensurate with the risk, – based in UK, Europe or USA – generating annual revenues exceeding GBP 250m | Waste Recycling (black bag), Power & Energy | Direct business, either Quota Share or XOL. Lead or follow Conventional & Non-Conventional programmes, including Captive fronting | Yes |
| Real Estate | Property Damage & Business Interruption, Property Owners' Liability, Employers Liability, Terrorism | Capacity – GBP 125m on an EML basis reducing for: Critical Catastrophe Perils Hazardous trades/processes | 50–100% POL GBP 25m | United Kingdom and Pan European exposures FTSE 100 and other blue chip companies, pension and investment fund managers and managing agents displaying a strong risk management culture. Portfolios of properties predominately comprising office, retail and low risk distribution with a good geographical spread | Waste Recycling, CAT perils only, highly innovative and/or combustible construction. Accumulations of high risk flood. High proportion of void properties and in poor repair. Accumulation of Netherlands Flood. Accumulation of German Storm Surge. Accumulation of high risk CAT perils. | Conventional & Non Conventional Basis, including Captives | Yes |
| Liability | Employers' Liability, Public & Products Liability | GBP 25m | Primary GBP 10m-25m Excess GBP 25m Multinational GBP 25m | All areas of industrial and commercial activities for UK / European domiciled risk managed clients in addition to international risks | Class restrictions in the following trade areas: Pharmaceutical, Product Guarantee, Clinical Trials, Medical Malpractice | Conventional & Non-Conventional basis, including Captive Fronting or Reinsurance, Excess of loss, Primary Rail, Tour operators & Loss Portfolio Transfers | Yes |
| Motor | Motor Fleet; Motor Trade | 100% | Bodily Injury unlimited, Third Party Property Damage (Cars) GBP 20m, Third Party Property Damage - all other vehicles including minibuses used for hire and reward GBP 5m | UK companies with an exposure in the UK and Republic of Ireland with a proactive approach to risk management | Bus and Coach, Self-drive hire, the carriage of class 1 and class 7 hazardous goods | We can offer Conventional and Non-Conventional programs including Annual Aggregate Deductibles, Deductible Reimbursement, Captive Reinsurance & Captive Fronting arrangements | Republic of Ireland exposures can be covered as part of the UK policy |
Specialty lines Show more Show less
| Category | Product | Maximum Capacity | Typical Line sizes | Target Risks | Product Exclusions* | Additional Information | Multinational Capabilities |
|---|---|---|---|---|---|---|---|
| Marine | Cargo, including Project Cargo/DSU | GBP 30m | GBP 20m | Direct UK, Europe, US, Canada; Reinsurance Worldwide, excluding Argentina | Cars | Yes | |
| Freight Liability | GBP 30m | GBP 20m | Direct UK, Europe, US, Canada; Reinsurance Worldwide, excluding Argentina | Yes | |||
| Fine Art and Specie | GBP 100m | GBP 50m | Fine Art target sectors, including US, European Institutional and Private Collections | Speak to your underwriter | |||
| Ports and Terminals | GBP 20m max | GBP 10m max | Direct UK, Europe, US, Canada; Reinsurance Worldwide, excluding Argentina | No | |||
| Construction | Contractors' All Risks (CAR) and DSU | GBP 150m (EML) | GBP 50m (EML) | New build construction for residential, commercial, infrastructure | Offshore | Insurance or Reinsurance / QS or X0L basis | Yes |
| Erection All Risks (EAR) and DSU | GBP 150m (EML) | GBP 50m (EML) | New build erection for energy, power, heavy industry, manufacturing | Insurance or Reinsurance / QS or X0L basis | Speak to your underwriter | ||
| Third Party Liability (TPL) | GBP 5m | GBP 2.5m | As per (CAR) / (EAR) above | As per (CAR) / (EAR) above | Primary TPL only, and in conjunction with (CAR) and (EAR) | Speak to your underwriter | |
| Latent Defects | Latent/Inherent Defects (LDI) | GBP 250m (TSI) | GBP 80m | Commercial new build construction, including office, retail, industrial, wholesale distribution and leisure occupation | Overseas risks other than Western Europe and only in support of existing (CAR) and / or Real Estate connection | Yes | |
| Renewable Energy and Engineering | Engineering
| GBP 250m (EML under GBP 50m) | Up to 100% depending on size and exposure | Contractors Plant and Equipment, Machinery Damage and Business Interruption, Inspection, Machinery Movement, Computers and Electronic Equipment, EV Charging Points, Rolling Stock, Deterioration of Stock and Erection All Risk | Waste to Energy | Speak to your underwriter | |
| Renewable Energy | OAR & EAR: Up to GBP 250m (EML GBP 75m) Third Party Liability: Up to £25m Marine Cargo: Up to £20m Terrorism: Up to £250m depending on territory | Up to 100% depending on size and exposure. Maximum capacity will be reduced dependent on risk management and natural catastrophe exposure | Onshore Wind, Offshore Wind, Solar PV, Battery Energy Storage, Hydro-electric, Concentrated Solar, Biomass, Geothermal, EV Charging Points, Green Hydrogen, Natural Gas Fired Power Generation, Mixed Power Generation Portfolios | Waste to Energy | Speak to your underwriter | ||
| Accident and Health | Group Personal Accident and Sickness | Max per person GBP 5m; Event max GBP 250m | Up to 100% depending on size and exposure | UK and European domiciled companies and professional sports clubs | Armed Forces / Armed Guards | Affinity Risks, such as Education & Associations, US domiciled | Yes |
| Group Business Travel | |||||||
| Professional Sports and Amateur Sports | |||||||
| Contingency | Event cancellation; non-appearance | £20m | GBP 2m | Major events, sporting events, conferences, trade shows and exhibitions, music events, music tours, theatre productions | Communicable disease | Speak to your underwriter | |
| Political Violence and Terrorism | Global property damage and business interruption coverage as a result of terrorism or political violence | £500m | Capacity considerations given depending on wholesale/retail nature of the business. 100% in the retail space with 25m – 50m in the wholesale space | Agriculture, energy and power, entertainment and leisure, financial institutions, hotels, industrial, infrastructure, manufacturing, municipalities and construction, real estate, retail and utilities | Yes |
Financial lines Show more Show less
| Category | Product | Maximum Capacity | Typical Line sizes | Target Risks | Product Exclusions* | Additional Information | Multinational Capabilities |
|---|---|---|---|---|---|---|---|
| Legal Indemnities & Estate Distribution | Residential and Commercial Real Estate; Homeowner, Developer and Lender protection; Continued Use & Future Development; Defective Title and Search products; Wills; Intestacy and Estate Distribution Protection; Rights to Light | GBP 150m | Title GBP 50m Single Property GBP 5m Wills & Estates GBP 2m | Legal Indemnity is a single-premium insurance which protects buyers, mortgage lenders and future property owners from legal disputes concerning the ownership, occupation and use of land and buildings | Bearer Bonds, Breach of Warranties, Defective Titles except Property, Credit Risks, Deposit Guarantee, Mortgage Indemnity Guarantees, Mortgage Fraud, Political Risks, Right to Buy, Tax Indemnities, Trustee General Liability Indemnity | Authorised to offer Title products in the European Economic Area (EEA) | Speak to your underwriter |
| Management Liability | Directors & Officers | Max GBP 20m | Primary GBP 10m, Excess GBP 10m | Private companies, not-for-profit organisations, public companies, SME through to FTSE 100 companies in a wide range of industries, start-up companies | Financial Institutions | US Domiciled D&O capability | Yes |
| Public Offering of Securities (POSI) | Max GBP 20m | Primary GBP 10m, Excess GBP 10m | Large Corporates | Financial Institutions | |||
| Pension Trustees Liability | Max GBP 20m | Primary GBP 10m, Excess GBP 10m | Large Corporates | Financial Institutions | |||
| Employment Practices Liability | Excess only Max GBP 20m | GBP 5m | Large Corporates | Financial Institutions | |||
| Professional Indemnity | Professional services firms in a variety of sectors including Legal, Media, Engineers, Design Consultants, Technology, Architects, Surveyors & other property professionals | GBP 10m | Primary up to GBP 5m | Large corporates through to SMEs in a variety of sectors | Insurance Broker, Open Market IFA's, Financial Institutions, Medical Malpractice, Tour Operators | Specialist in-house risk management capabilities, International Excess of Loss and Single Project Policies | Yes |
| Crime | Internal and External Crime | GBP 15m | GBP 5 -10m Primary, Excess, Co-insured | Commercial businesses from SME to large corporate clients | Financial Institutions, lending/factoring/debt collecting, gambling/betting, Jewelers Block, Unauthorised Trading Cover | UK, EU, US and other overseas territories | Speak to your underwriter |
| Surety, Bonds and Guarantees | Performance Bonds; Retention Bonds; Advance Payment Bonds; Highways Act Bonds; Customs Bonds; Deductible Guarantees; Pension Bonds; Land Purchase Guarantees; Environmental Agency Bonds; Rail Bonds; Court Bonds; Rent/Deposit Guarantees | GBP 150m | Performance Bond Facilities GBP £50m - £75m | Bond duration less than 5 years, acceptable credit risk, Counter Indemnity of all relevant group companies or acceptable security | Credit Insurance, Restoration Bonds, Warranty Bonds, Financial Guarantees written as such | Aviva financial rating / strength of brand being acceptable to most bond beneficiaries | Speak to your underwriter |
| Mergers and Acquisitions | Core W&I, Tax Liability & Contingent Liabilities GBP 50m GBP 15m–30m EUR 50m USD 57.5m Contingent and tax: £/ª/US$ 50m | Real Estate and Private Equity although will consider trade deals, renewables and FI as well. Ideally UK and Western Europe, but will consider worldwide | Africa (excluding South Africa) and China (domestic M&A). Gambling, Banks | Yes | |||
| Financial Institutions | Directors and Officers, Professional Indemnity, Public Offering of Securities (POSI), FI Crime, Pension Trustees Liability, Employment Practices Liability | GBP 20m | Primary GBP 10m, Excess GBP 10m | Banks, General Insurance Companies, Asset Managers | UK Life Insurance Companies and Cryptocurrency | US Crime capability | Yes |
| Cyber | Cyber | GBP 20m | GBP 5m | Primary – UK domiciled
| Aviation, Utilities, Government Entity, Managed Service Providers, Cryptocurrency | Excess of Loss Specialist in-house risk management capabilities | Yes |
* General exclusions Show more Show less
The following are general cover exclusions that fall outside our underwriting appetite. This list is not exhaustive. For full details, please contact your Insurance Broker.
- Countries that are outside of our Jurisdiction Risk Index or other similar index
- The manufacture of tobacco products
- The manufacture, sale or supply of controversial weapons or the manufacture of civilian firearms
- Animal testing
- Processing of toxic waste materials1
- Companies where more than 5% of their Aviva insured exposures are from mining of thermal coal and thermal coal-based power generation
- Companies where more than 10% of Aviva insured exposures are from oil sands and arctic oil
- The development of new or expansion of existing coal mines, oil or gas fields
- A financial guarantee promising to pay a debt if the original borrower can’t make the payment as agreed
- War1
- Nuclear and radiological contamination risks / covers1
- Any Public and Products Liability cover for the manufacture, distribution, supply and sale of all animal and human blood and blood products intended for medical purposes
- Asbestos products
- Terrorism cover outside of reinsurance arrangements
1 Exceptions for these exclusions apply, please speak to your Insurance Broker for further information.
Multinational Capabilities
We can lead global insurance programmes worldwide through our London-based Multinational Hub and our partner network covering 170 global territories. We strive to provide a seamless, client-focused end-to-end service – creating controlled master programmes for corporate clients.