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Effective distribution of products & services

We bring underwriters together with MGAs, brokers and other coverholders to ensure the effective distribution of specialist insurance products and services.
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Our connections are designed to help make our clients more successful. That's why as well as managing and arranging delegated authority facilities throughout our specialisms or via our dedicated business, Capsicum Delegated Authority, we also offer advisory and consultancy services. We use state-of-the-art data analysis to help identify risks and trends in cover and our compliance team can help to relieve some of the burden coverholders face in managing delegated authorities.

We understand current market conditions and the need for a stable capacity provider, and in turn we can help you to understand the impact of frequently changing legislation on your business. That's why we pride ourselves on being easy to do business with and having access to a broad range of competitive insurance projects.

Our specialist products amongst others include lender service-related products (including mortgage impairment, forced placed and flood), commercial property, general liability, personal lines, floods, commercial and private motor, specialist liability products, accident and health, financial lines, title insurance and bloodstock. Plus, because we are independent all our responses are crafted in response to your needs, not our agenda. We can offer competitive terms that may not be available elsewhere.

We're global too and have teams of binding authority specialists working in key markets around the world, so we understand local procedures and frameworks. Each international territory has very particular delegated authority requirements, and over the years we’ve developed specialisms in a wide range of local risks.

Delegated authority summary

  • Competitive products that our coverholders can sell to their customers
  • Range of contracts including binding authority, consortium and PCC
  • Bespoke business and placement strategy services
  • Support with regulatory compliance

Capsicum Delegated Authority, our dedicated, independent binding authority business has a portfolio of over 280 delegated authority facilities in more than 40 countries, equating to $900m in GWP. The team’s 98% client-retention rate (based on 2016-17 figures) demonstrates how we can help you to get the best possible chance of success for your proposal.