Appetite

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 & property investors

Category	Product	Maximum Capacity	Typical Line sizes	Target Risks	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 Multinational programmes	GBP 250m (EML under GBP 150m)	GBP 50m, 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), Underground Mining, Tobacco, Power & Energy	Direct business, either Quota Share or XOL. Lead or follow Conventional & Non-Conventional programmes, including Captive fronting	Yes
Property Investors	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, Underground Mining, Tobacco, Munitions, 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: Underground Mining, Tobacco, Munitions, 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, TP Property Damage (Cars) GBP 20m, TP Property Damage - all other vehicles including minibuses used for hire and reward GBP 5m	UK companies with an exposure in the UK and ROI with a proactive approach to risk management	Bus and Coach, Self-drive hire. Our preference is to consider Motor as part of a package of covers but will consider stand alone risks on a selective basis	Conventional & Non-Conventional basis, including Captive fronted considered

Specialty lines

Category	Product	Maximum Capacity	Typical Line sizes	Target Risks	Exclusions	Additional Information	Multinational Capabilities
Marine	Cargo, including Project Cargo/DSU	GBP 30m	GBP 20m	Direct UK, Europe, US, Canada; Reinsurance Worldwide, excluding Brazil & Argentina	Cars		Yes
	Freight Liability	GBP 30m	GBP 20m	Direct UK, Europe, US, Canada; Reinsurance Worldwide, excl. Brazil & Argentina
	Fine Art and Specie	GBP 100m	GBP 50m	Fine Art target sectors, including US, European Institutional and Private Collections	Crypto
Construction	Contractors' All Risks (CAR) and DSU	GBP 150m (EML)	GBP 50m (EML)	New build construction for residential, commercial, infrastructure	Offshore, Tobacco, Munitions, Animal testing	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	Coal-fired power plants	Insurance or Reinsurance / QS or X0L basis
	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)
Latent Defects	Latent/Inherent Defects (LDI)	GBP 200m (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 Property Investors 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, Rolling Stock, Deterioration of Stock and Erection All Risk	Conventional Oil & Gas Power Generation, Nuclear, Waste to Energy, T&D in isolation
Renewable Energy and Engineering	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	Solar, Onshore Wind, Offshore Wind, Battery Storage	Conventional Oil & Gas Power Generation, Nuclear, Waste to Energy, T&D in isolation
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

Financial lines

Category	Product	Maximum Capacity	Typical Line sizes	Target Risks	Exclusions	Additional Information	Multinational Capabilities
Legal Indemnities	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	GBP 500m	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 Poland
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		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 10m	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
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
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	Russia, Africa (excl.uding South Africa) and China (domestic M&A). Gambling, Tobacco, Oil & Gas exploration, 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 Excess of Loss - UK, EEA, Australia, Canada domiciled Financial Institutions, Professional Services, Real Estate, Hospitality, Manufacturing, Retail and Wholesale	Aviation, Utilities, Govt Entity, Managed Service Providers, Crypto	Excess of Loss Specialist in-house risk management capabilities	Yes

Multinational Capabilities

Alongside our Corporate, Specialty and Financial lines coverage, we offer Multinational capability across expanding lines of business with our partner network extending globally to over 150 global territories.

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