CNA Europe is a leading insurer in the European general liability market, underwriting business via a growing network of offices throughout the UK and Continental Europe. Our focus is on working with clients who recognise the value of risk management, quality control and workplace health and safety.
Every business has a potential liability for personal injury or property damage - whether relating to visitors to their premises, buyers of their products, or simply the public at large. In trading relationships and at various points in the supply chain, additional liability may be accepted under contract.
Legal liability may arise in tort, via contract or under statute; Court decisions in individual cases can create far-reaching precedents.
We underwrite Public and Products Liability insurance on either a combined or stand alone basis, with extensions, where required for Financial Loss and Incidental Professional Indemnity exposures.
For the majority of clients, the standard policy geographical limits are sufficient - being the United Kingdom, Europe and visits elsewhere in the world by non-manual employees.
For European Union countries we can offer a freedom of services policy covering most of the member states, giving traditional UK-type cover and being subject to European Courts Jurisdiction.
For products cover, we offer worldwide jurisdiction (subject to normal North American market conditions), and have the ability to cover the US domiciled operations of international companies via our US parent company, the CNA Group.
In addition, we have a separate BIBA approved website, www.cnaexcess.co.uk for use exclusively by BIBA brokers in placing Excess of Loss business with a minimum attachment point of £1,000,000, up to a further £10,000,000.
We underwrite our primary business 100%, whilst excess programmes (depending on their size), can be written on a 100% basis, lead scheduled basis, or by following other respected market lead underwriters on a co-insurance basis or as facultative reinsurance.
With the trend towards outsourcing and the use of a global supply chain, the management of liability exposures and the protection of reputation have become even more complex. Clients need to be sure that the product they buy can deal with the range of liability exposures they face and that they are working with an insurer who can respond quickly to emerging trends.
With CNA Europe clients benefit from access to the depth and experience of a team of expert underwriters, claims professionals and risk control engineers, the latter being deployed to help assess exposures and drive risk improvements.
We also provide non-conventional insurance solutions in the form of deductible/SIR buy backs, Captive participations and other innovative alternative risk solutions with tailored policy wordings to suit the needs of individual clients. A number of very large clients have found these bespoke solutions have reduced insurance costs, helped to produce a much clearer view of actual claims costs and thus focused risk improvement on specific areas.
Our target risk types include but are not limited to:
Construction Companies and projects (excess of loss)
Banks and Financial Institutions
Breweries/Beverage Manufacturers
General Engineering
Food Producers
High Tech / IT / E-business/Electronic Equipment Manufacturers
Sports, Leisure, Entertainment and Hospitality Industry
Retailers and Wholesalers
Manufacturers and Distributors
Media and Telecommunications
Utilities
Security Companies
Transport and Logistics
Private Finance Initiative projects
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