Qbe Corporate Brochure


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At QBE, we do things differently. We encourage our employees to use their experience and expertise, which means they are always looking to find a creative solution to any problem. They can make use of our outstanding existing products, and they can create new ones for you as well.

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Qbe Corporate Brochure

  1. 1. seeing insurance differently
  2. 2. No matter what you’re looking to insure, the chances are we can find a way to cover it. The sky’s the limit. about Qbe a global force a MaJor insurer in euroPe QBE Insurance Group is one of the We operate throughout Europe, where world’s leading insurers and reinsurers, we have a unique ability to interpret operating out of 45 countries around each marketplace – combining our in- the globe, and doing business in over depth local knowledge with the breadth 100. We are market leaders in the of experience of our product experts. vast majority of products we offer. a national Presence Our experience goes back more than 120 years, and we have 10,000 staff Outside London, QBE has underwriting worldwide. With headquarters in Sydney centres across the UK in Birmingham, and a public listing on the Australian Bristol, Chelmsford, Glasgow, Leeds, stock exchange, our gross written Manchester and Stafford, making premium to year end 31 December 2007 us ideally placed to offer an totalled £5.2 billion. outstanding service to regional brokers and their clients. QBE is rated as A+ (Stable) by Standard & Poor’s, as A+ by Fitch Ratings, and as A (Excellent) by A.M. Best.
  3. 3. No insurance challenge is too far-flung for us to consider. the Qbe difference our aPProach Quite a claiM At QBE, we do things differently. We The real test of any insurance company encourage our employees to use their is its claims expertise. At QBE we pride experience and expertise, which means ourselves on our professional, efficient they are always looking to find a creative and sympathetic approach. We believe solution to any problem. They can we’re here to help, not to hinder. make use of our outstanding existing Of course it is in everyone’s best products, and they can create new ones interests to avoid claims arising in the for you as well. first place. That’s why we place such Our financial strength provides a high emphasis on risk management, working level of security and confidence. This is with clients to improve their systems and reinforced by the added flexibility of our processes, and often leading the way in dual pen capability, which means we can setting industry standards. offer you the choice of placing your risk with Lloyd’s, where we are the largest our Product range managing agent, or on company paper. On the pages that follow you will find a This flexibility, coupled with our healthy brief introduction to the main insurance appetite for risk, has helped us to sectors that we cover. Our ambition become one of the biggest and best and resourceful mindset mean that, insurers in the UK. In the 2007 Insurance even if you can’t find what you are Times Commercial Broker research, we looking for here, we’ll do all we can were rated third overall for service out to provide you with a competitive and of all the major UK insurance companies. effective solution.
  4. 4. From private planes to helicopters to airliners: if it flies – or has anything to do with flying – we almost certainly cover it. aViation a genuine high flyer Why Qbe for aViation? our areas of eXPertise QBE is at the forefront of aviation In a highly commoditised market Aircraft hull insurance, with three specialist teams such as aviation, price is an important Aircraft liability providing cover to all areas of the consideration. We always aim to be industry. Our general aviation team both fair and competitive on price. Airport liability covers light aircraft and helicopters Aviation hull war and allied perils up to 50 seats; our airline team covers We differentiate ourselves in many Aviation products liability scheduled operations – both passenger ways – not just philosophically, but and cargo – around the world; and our practically too. That’s why in all our Contingent hull products, airports and services team policy documentation we make sure Contingent liability covers manufacturers, airports and that we use language that is easy Crew personal accident third party service providers to the to understand. Our approach when handling claims is always sympathetic, Hangarkeepers liability aviation industry. and we are understanding of our clients’ Hull deductible We are proud to field an exceptional needs. Since we came into being Hull total loss team of skilled individuals, who have a we have developed a wide range of Liability war & allied perils coverage wealth of knowledge and understanding additional services. The primary purpose of the aerospace market sector. We of these services is to add a tangible Loss of use place great emphasis on excellence of additional benefit to the insurance Spares service, believing that the client’s needs products we offer. must be managed effectively. We have a huge responsibility to our clients, and Key contact treat them in the same way we would To find out more, please contact: like to be treated ourselves. Emilio Di Silvio +44 (0)20 7105 5714 emilio.di.silvio@uk.qbe.com www.Qbeeurope.com/aviation
  5. 5. If you don’t see what you’re looking for in the list opposite, we’ll still do everything we can to cover it. casualty coVer built around clients coMbined PacKages our areas of eXPertise When it comes to casualty insurance, Created in response to the particular Product/Public liability we focus specifically on the client. What needs of our clients, we are able to Employers’ liability exactly is required? How can we provide offer a number of class-specific and the best and most comprehensive cross-class schemes and packages. Management liability cover? So that whatever the region From employers’ and public liability, Medical liability or line of business, we can offer an professional indemnity and Directors Professional indemnity outstanding policy. and Officers cover to cross-class solutions, they give the flexibility to Our expertise spans an extremely broad provide clients with precisely what Key contact range of sectors and industries. From they need – in the most efficient and To find out more, please contact: chemicals to construction, from financial cost-effective way. Ash Bathia services to food and drink – and just about everything in between. We also +44 (0)20 7105 4076 PartnershiP aPProach ash.bathia@uk.qbe.com have an outstanding track record across all classes of liability, so that we can We have developed innovative www.Qbeeurope.com/casualty provide the appropriate level of cover products such as QBE Cares, which for everything from the smallest to the was created for clients who recognise largest and most complex risks. the importance of risk management strategies, and who want their insurers to support and reward them for their good practice.
  6. 6. Marine & energy taKing the lead a successful forMula our areas of eXPertise It’s important that our clients have A number of factors contribute to our Cargo confidence in our size and strength, and success. Our highly motivated and Energy offshore in our ability to meet their requirements, professional staff are crucial, with their wherever they are, and on whatever thorough market understanding backed Energy onshore scale. At the same time, when they up by a high level of quality financial Hull deal with us they expect high levels of security. We establish stable, long-term Liability personal service and a rapid response. relationships with brokers and their Our goal is to deliver this every time. clients, operating as a lead market Political risk and terrorism and combining sophisticated analytical Specie We maintain a lead position in the techniques with traditional underwriting War provision of insurance products analysis. on a worldwide basis. This means our underwriters need to have a Key contact iMPressiVe claiMs comprehensive knowledge of their Our well-respected claims team To find out more, please contact: clients’ businesses, as well as the work closely with our underwriters Colin O’Farrell territories within which they operate. to ensure claims are managed to an +44 (0)20 7105 4073 The use of sophisticated software, extremely high standard. The claims colin.ofarrell@uk.qbe.com combined with extensive travel, enable us to better understand and analyse our team have long-standing relationships www.Qbeeurope.com/marine-energy clients’ needs, adapting our offering to with surveyors, loss adjusters, lawyers the particular nuances of each market. and other professional advisers. Their expertise can be brought to bear on our response to a claim. What’s more, we pride ourselves on continuing the client relationship after a claim has been settled; doing everything we can to provide ongoing cover.
  7. 7. Motor a tracK record of non-conVentional Policies our areas of eXPertise coMMitMent QBE has a dedicated Special Risks fleet Our motor portfolio has an team that underwrites non-conventional uninterrupted 80-year history in the motor risks. Our underwriting solutions Bus/Coach/Minibus motor market. Whilst other insurers have reflect the policyholder’s appetite for Combined motor trade dipped in and out of this sector, we have risk. In addition we work closely with our Fleet car remained committed. This has helped us non-motor underwriters to provide Haulage including overseas build up an enviable reputation, based cross-class solutions for employers’ and hazardous goods on our unrivalled expertise and our liability, public liability and property. quality service, that gets clients back on Non-conventional policies the road as soon as possible. It has also roadWorthy risK Own goods helped make us the market leader. ManageMent Police, ambulance, fire Flexibility is key to what we offer. We We achieve claims handling excellence and local authority are prepared to tailor policies exactly to through a dedicated team of specialist clients’ needs, so they’re never forced to claims personnel, the support of an sPecialist Personal lines settle for cover that doesn’t fit. excellent management structure and an in-house engineering team. We Bespoke/specialist/niche What We coVer ensure strong lines of communication, Commercial vehicle insurances total transparency and adherence to We offer a comprehensive scope of Horseboxes prescribed service standards. cover that includes fleet car, coach and Motor cycles bus, private car, commercial vehicle, Key contact Standard private car minibus, taxis, self-drive hire and combined motor trade programmes. To find out more, please contact: All delivered by specialist underwriters Matthew Crane with vast experience in the motor sector. +44 (0)1245 272 632 Matthew.crane@uk.qbe.com www.Qbeeurope.com/motor
  8. 8. ProPerty strong foundations a coMPlete PacKage our areas of eXPertise Our highly experienced property For those who require a combination of European property team provide property and business different cover, our property team can International property interruption insurance to corporate also work in conjunction with our motor clients, from the smallest corner shop to and casualty teams to provide security Leisure & sport the largest of multi-nationals, across a as a seamless, combined package. This London market property huge range of industries. These include builds on our approach of building on Personal accident the mainstream – such as manufacturing, the existing strong relationships we food, distribution technology and enjoy in other classes. Schemes & micro business personal accident – as well as the more UK & SME property unusual, from nightclubs and golf risK ManageMent serVices courses to event cancellation and film. When it comes to underwriting, the Key contact Whatever the area, we bring our property team has a strong focus on To find out more, please contact: innovative underwriting approach to physical and financial risk management. Bernard Mageean primary, excess of loss and full value Our in-house risk management team +44 (0)20 7105 4000 property insurance, delivering clients have access to the best industry and bernard.Mageean@uk.qbe.com the cover they need, no matter what technical expertise, and we strongly their size. We have off-the-shelf scheme encourage clients to undertake risk www.Qbeeurope.com/property policies, and micro products for very management in order to improve and small businesses. With offices right standardise their practice. Evidence across the UK and Europe, we can cater suggests that clients who employ risk for clients in every location. management within their business can enjoy significantly reduced exposure to risk, with all the benefits this brings in time, money and peace of mind.
  9. 9. Natural disasters represent one of the biggest reinsurance areas we cover. reinsurance a broad offering access all areas our areas of eXPertise QBE Re Europe are recognised leaders Our clients have an exceptional degree Aviation in the reinsurance market. Our focus is of flexibility in choosing how to do International casualty on long-term continuity; the strength business with us. There is a choice of the relationships we build with our of Lloyd’s or company paper in the International property clients, reinforced by regular overseas London market. If you prefer not to Marine travel to visit them, contributes to our come through London, there is the North American casualty very high levels of client retention. option of placing business via QBE So does the breadth of our product Reinsurance (Europe) Ltd, based in North American property range; we can offer you pretty much Dublin. Whichever you decide on, our Personal accident everything. Our role as leaders also combination of security and flexibility, Retrocessional & worldwide means we have a significant impact backed up by our proven pedigree, on pricing. makes us a formidable partner for all your reinsurance needs. We aim to avoid loss attrition, and to come in at a higher level. This is Key contact important with the predominance of catastrophe businesses in our portfolio. To find out more, please contact: Jonathan Parry +44 (0)20 7105 4000 Jonathan.Parry@uk.qbe.com www.Qbeeurope.com/reinsurance
  10. 10. sPecialty an ansWer for eVerything creditQube our areas of eXPertise The specialty division is our platform for CreditQube is QBE’s unique and Asset protection – credit managing and developing a range of market-leading online trade credit enhancement and residual value diverse portfolios. system. CreditQube has been Bloodstock specifically designed and developed Our portfolio managers are the Credit & bonds to provide an integral support to our people to talk to if you have a special clients in running their businesses. Product protection – warranty requirement – no matter how unusual. and gap insurance The length of the experience they thoroughbred coVer Travel insurance bring, together with the depth of their understanding, means they can find Our bloodstock & equine division solutions where others can’t – or won’t. offers the most comprehensive equine Key contacts coverage in the market. When it comes To find out more, please contact: global Product Protection to market knowledge, our underwriters Graeme Rayner are at the leading edge of issues in the We push the boundaries of customer +44 (0)20 7105 4261 equine world. service in the auto warranty and gap graeme.rayner@uk.qbe.com insurance sectors. Unlike many of Well-traVelled www.Qbeeurope.com/specialty our competitors, we have the licence and expertise to support our clients Our travel insurance business covers across the globe with industry-leading single trip and annual, primarily in web-based systems. Central Europe and the UK, mostly distributed through travel agents. Protecting your assets We can also provide peace of mind protection for families and employees Our asset protection team look at through the provision of kidnap, ransom, an international spread of sectors, extortion, political evacuation and hijack business and asset types – whether it insurance. is project, bridging, corporate, lease or leveraged financing. Asset-backed credit enhancement or residual value insurance are our primary products.
  11. 11. british Marine a Proud MaritiMe history full steaM ahead our areas of eXPertise Founded in 1876, British Marine is The loyal support of our shipowners Hull an internationally respected provider has helped British Marine achieve Protection & indemnity of fixed cost insurance for marine strong recent development across and intermodal transportation risks. all our markets, particularly with Legal expenses We specialise in ships worldwide regard to protection & indemnity. Intermodal up to 10,000 gt, and underwriting A key factor in our success is the fact Professional liability 100% of the risk. that we do not, and will not, apply a Our extensive range of services standard increase. Instead we believe Key contacts includes protection & indemnity, hull & in rating each individual owner on their machinery, and legal expenses insurance own fleet performance. This results in To find out more, please contact: for small to medium sized ships, much fairer premiums, and reflects our Robert Johnston together with personal, professional commitment to providing a bespoke, +44 (0)20 7488 1024 and intermodal liability products for personalised service. rbmj@britishmarine.com transport professionals and operators. www.britishmarine.com This service is backed up by our experienced in-house claims staff, who are on call 24 hours, and by our survey department with in-house deck and engineer surveyors. We also have 480 correspondents in over 230 ports, giving us a truly global presence.
  12. 12. in suMMary here to helP We hope that what you have read here gives you a good idea of the breadth and quality of what QBE has to offer. If you’d like to find out more, or if there is anything you would like to discuss with us, please get in touch. There is nothing we enjoy more than a challenge.
  13. 13. Qbe european operations Plantation Place 30 Fenchurch Street London EC3M 3BD differently@uk.qbe.com tel +44 (0)20 7105 4000 fax +44 (0)20 7105 4019 www.QBEeurope.com QBE Insurance (Europe) Limited and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited. QBE Reinsurance (Europe) Limited is authorised and regulated by the Irish Financial Services Regulatory Authority. QBE: 14/June 08