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seeing insurance

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.
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.
No insurance
challenge is too
far-flung for us
to consider.

the qbe difference


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.
From private planes to
helicopters to airliners: if
it flies – or has anything to
do with flying – we almost
certainly cover it.


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

If you don’t see what
you’re looking for in the
list opposite, we’ll still do
everything we can to cover it.



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
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.


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
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
on a worldwide basis. This means
our underwriters need to have a KEY CONTACT
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.


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



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
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.
Natural disasters
represent one of the
biggest reinsurance
areas we cover.



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
important with the predominance of
catastrophe businesses in our portfolio. To find out more, please contact:
Jonathan Parry
+44 (0)20 7105 4000



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
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
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
is project, bridging, corporate, lease
or leveraged financing. Asset-backed
credit enhancement or residual value
insurance are our primary products.


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.

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.
QBE European Operations
Plantation Place
30 Fenchurch Street
tel +44 (0)20 7105 4000
fax +44 (0)20 7105 4019

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

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