Fulfilling your clients needs and growing your broking business. Your guide to how Thistle can help

Thistle Insurance Services Limited. Lloyd’s Broker. Authorised and Regulated by the Financial Conduct Authority. A JLT Group Company.

Registered Office: The St Botolph Building, 138 Houndsditch, London, EC3A 7AW. THIS BROCHURE IS AVAILABLE IN OTHER FORMATS UPON REQUEST

A JLT Group Company

Think Thistle for your underwriting and broking needs.

Liability, Property, Motor & Professional Risks

See inside for more details of how we can help

Thistle - The Broker’s Partner of Choice.

Fulfilling your clients’ needs

and growing your broking business

Your guide to how Thistle can help

Creating complex imagery from a piece of paper, just like Thistle’s approach to working with their brokers, takes time, care and expertise... whatever the size.

We want to help our brokers grow to your business by providing an industry-leading service that delivers to your needs. We put brokers and your clients at the centre of our business.

Expertise

Thistle Insurance Services Limited is one of the largest Managing General Agents in the UK and part of the JLT Group. Our experience, contacts, expertise and heritage ensures that our people are well placed to deliver quality solutions - underwriting or broking - to brokers seeking to expand their business.

Our underwriting teams in Wolverhampton and Belfast have been trading for over 25 years, bringing a wealth of experience to complement their excellent service to brokers. They have built a reputation in being able to underwrite the quirky or unusual risk, but they also have a solid track record in underwriting normal risks. Brokers tell us that our teams consistently provide a friendly, efficient and professional underwriting service. This attention to detail combined with in-depth knowledge and experience makes Thistle Underwriting the ideal partner for brokers.

Innovative

Thistle’s London Market broking teams have been placing business for many years. Their experience and contacts in Lloyd’s and the London Markets provide an outstanding channel for brokers seeking to deliver innovative solutions for their clients. The London Market team have gained a deserved reputation for their ability to place risks where others fail to do so. Thistle Underwriting and London Markets’ strong and fruitful relationships with brokers are fundamental to our mutual future success. It’s an exciting time to partner with Thistle - we have expanded our product range to provide our brokers with more options for your clients, and we have improved processes and increased resources so that we can offer coverage to fulfil many client needs in one place - and we will continue to put our brokers and your clients at the heart of everything we do.

Opportunity

Thistle is determined to be the first-choice partner for underwriting and broking risks. We welcome the opportunity to demonstrate how our extensive market knowledge and service ethic can help brokers grow their business.

For risks large or small in Liability, Property, Motor or Professional - Think Thistle.

Paul Matthews

Chief Executive Officer

We know a broker’s life is a busy one so we’ll do our best not to waffle and to highlight only the important bits: • We’re a Managing General Underwriter offering

flexible and tailored underwriting for an exclusive range of Products in the micro & SME marketplace. • Operating from Wolverhampton and Belfast we only transact business through Insurance brokers based in the UK including Northern Ireland.

• We’re experienced in what we do; our first piece of liability business was written back in 1987. Since then we’ve developed more than 20 products that are expertly managed by 60+ staff.

• Although we’re renowned for our liability expertise, we do more! Our exclusive Products include

- Liability and Construction, - Property & Packages, - Motor Fleet,

- Professional Risks.

• Our products are developed in-house in conjunction with Insurers/capacity providers and are managed through binding authority agreements.

• Risks are transacted from our in-house platform “This Way” where you can quote and accept policies yourselves for many products. Alternatively our Underwriters are happy to trade the traditional way, quoting from presentations submitted.

Our vision

“To be the Broker’s first choice in placing Micro, SME or Niche Business. We aim to use our underwriting expertise and creativity to grow our company, continually looking for reasons to write business rather than to refuse it.”

Deserved reputation

Whatever anyone says Insurance remains a ‘people, business’ and it’s no wonder that brokers work with people they like. It goes without saying that these people also have to know their subject inside out and make trading easy, in fact a pleasure!

Our brokers will agree that this has been our hallmark for more than 25 years now and although we’ve grown up as a company, we still have that family feel to our business. Our desire to impress you with innovative products, expert underwriting and service excellence has never been so strong.

Karen Percy

Operations & Distribution Manager

Thistle Underwriting

01902 714000

www.thistleunderwriting.co.uk

Based in the heart of the City of London, within a stone’s throw of Lloyd’s, Thistle London Markets have the experience and expertise to place your large, complex and unusual risks.

As part of the JLT Group, we have the strength and connections to provide you with risk solutions and the Lloyd’s and London Market access that your clients need.

The more we know, the more we’re able to help

Presentations are important, as they are the only information that our teams receive about your clients’ activities and requirements. Whether it’s a new enquiry or a renewal, to save time, we may ask you to provide additional information such as expiring/renewal terms, risk improvements etc., so the more information you are able to provide, the better we are able to help you.

Thistle London Market Risks can help with the following classes of business – see the product inserts for more information about each class and how to access our broking teams.

• Liability & Construction • Motor Fleet

• Property

• Professional Risks • Schemes and Facilities

Our commitment to you:

We want to deliver the most suitable cover for your clients. That’s why we are committed to turning around each new business enquiry as quickly as possible:

• Continued commitment to provide the best possible service

• We will provide initial guidance and terms, followed by a fully compliant quotation for our broking teams. “We offer a fast and professional approach to placing risks within Lloyd’s or the London Markets. Our relationship with our brokers is key to how we deliver our service; we want to work in partnership to help you deliver solutions for your clients’ needs.”

Bob Peterson

Executive Director

Thistle London Market Risks

www.thistlelmr.co.uk 0207 582 4444

Thistle Underwriting

We are here to help you grow your business.

Thistle London Market Risks

Lloyd’s & London Market access. Experience that offers

solutions to your clients’ large & complex needs.

Can we do even more?

A strong relationship works for everyone and we encourage you to talk to us about how we can work together. Contact your Regional Development Manager to arrange a discussion to see how we can make a difference to your securing more business.

www.thistleunderwriting.co.uk

01902 714 000

0207 528 4444

Thistle Insurance Services Limited. Lloyd’s Broker. Authorised and Regulated by the Financial Conduct Authority. A JLT Group Company.

Registered Office: The St Botolph Building, 138 Houndsditch, London, EC3A 7AW. THIS BROCHURE IS AVAILABLE IN OTHER FORMATS UPON REQUEST

A JLT Group Company

Think Thistle for your underwriting and broking needs.

Liability, Property, Motor & Professional Risks

See inside for more details of how we can help

Thistle - The Broker’s Partner of Choice.

Fulfilling your clients’ needs

and growing your broking business

Your guide to how Thistle can help

Creating complex imagery from a piece of paper, just like Thistle’s approach to working with their brokers, takes time, care and expertise... whatever the size.

We want to help our brokers grow to your business by providing an industry-leading service that delivers to your needs. We put brokers and your clients at the centre of our business.

Expertise

Thistle Insurance Services Limited is one of the largest Managing General Agents in the UK and part of the JLT Group. Our experience, contacts, expertise and heritage ensures that our people are well placed to deliver quality solutions - underwriting or broking - to brokers seeking to expand their business.

Our underwriting teams in Wolverhampton and Belfast have been trading for over 25 years, bringing a wealth of experience to complement their excellent service to brokers. They have built a reputation in being able to underwrite the quirky or unusual risk, but they also have a solid track record in underwriting normal risks. Brokers tell us that our teams consistently provide a friendly, efficient and professional underwriting service. This attention to detail combined with in-depth knowledge and experience makes Thistle Underwriting the ideal partner for brokers.

Innovative

Thistle’s London Market broking teams have been placing business for many years. Their experience and contacts in Lloyd’s and the London Markets provide an outstanding channel for brokers seeking to deliver innovative solutions for their clients. The London Market team have gained a deserved reputation for their ability to place risks where others fail to do so. Thistle Underwriting and London Markets’ strong and fruitful relationships with brokers are fundamental to our mutual future success. It’s an exciting time to partner with Thistle - we have expanded our product range to provide our brokers with more options for your clients, and we have improved processes and increased resources so that we can offer coverage to fulfil many client needs in one place - and we will continue to put our brokers and your clients at the heart of everything we do.

Opportunity

Thistle is determined to be the first-choice partner for underwriting and broking risks. We welcome the opportunity to demonstrate how our extensive market knowledge and service ethic can help brokers grow their business.

For risks large or small in Liability, Property, Motor or Professional - Think Thistle.

Paul Matthews

Chief Executive Officer

We know a broker’s life is a busy one so we’ll do our best not to waffle and to highlight only the important bits: • We’re a Managing General Underwriter offering

flexible and tailored underwriting for an exclusive range of Products in the micro & SME marketplace. • Operating from Wolverhampton and Belfast we only transact business through Insurance brokers based in the UK including Northern Ireland.

• We’re experienced in what we do; our first piece of liability business was written back in 1987. Since then we’ve developed more than 20 products that are expertly managed by 60+ staff.

• Although we’re renowned for our liability expertise, we do more! Our exclusive Products include

- Liability and Construction, - Property & Packages, - Motor Fleet,

- Professional Risks.

• Our products are developed in-house in conjunction with Insurers/capacity providers and are managed through binding authority agreements.

• Risks are transacted from our in-house platform “This Way” where you can quote and accept policies yourselves for many products. Alternatively our Underwriters are happy to trade the traditional way, quoting from presentations submitted.

Our vision

“To be the Broker’s first choice in placing Micro, SME or Niche Business. We aim to use our underwriting expertise and creativity to grow our company, continually looking for reasons to write business rather than to refuse it.”

Deserved reputation

Whatever anyone says Insurance remains a ‘people, business’ and it’s no wonder that brokers work with people they like. It goes without saying that these people also have to know their subject inside out and make trading easy, in fact a pleasure!

Our brokers will agree that this has been our hallmark for more than 25 years now and although we’ve grown up as a company, we still have that family feel to our business. Our desire to impress you with innovative products, expert underwriting and service excellence has never been so strong.

Karen Percy

Operations & Distribution Manager

Thistle Underwriting

01902 714000

www.thistleunderwriting.co.uk

Based in the heart of the City of London, within a stone’s throw of Lloyd’s, Thistle London Markets have the experience and expertise to place your large, complex and unusual risks.

As part of the JLT Group, we have the strength and connections to provide you with risk solutions and the Lloyd’s and London Market access that your clients need.

The more we know, the more we’re able to help

Presentations are important, as they are the only information that our teams receive about your clients’ activities and requirements. Whether it’s a new enquiry or a renewal, to save time, we may ask you to provide additional information such as expiring/renewal terms, risk improvements etc., so the more information you are able to provide, the better we are able to help you.

Thistle London Market Risks can help with the following classes of business – see the product inserts for more information about each class and how to access our broking teams.

• Liability & Construction • Motor Fleet

• Property

• Professional Risks • Schemes and Facilities

Our commitment to you:

We want to deliver the most suitable cover for your clients. That’s why we are committed to turning around each new business enquiry as quickly as possible:

• Continued commitment to provide the best possible service

• We will provide initial guidance and terms, followed by a fully compliant quotation for our broking teams. “We offer a fast and professional approach to placing risks within Lloyd’s or the London Markets. Our relationship with our brokers is key to how we deliver our service; we want to work in partnership to help you deliver solutions for your clients’ needs.”

Bob Peterson

Executive Director

Thistle London Market Risks

www.thistlelmr.co.uk 0207 582 4444

Thistle Underwriting

We are here to help you grow your business.

Thistle London Market Risks

Lloyd’s & London Market access. Experience that offers

solutions to your clients’ large & complex needs.

Can we do even more?

A strong relationship works for everyone and we encourage you to talk to us about how we can work together. Contact your Regional Development Manager to arrange a discussion to see how we can make a difference to your securing more business.

www.thistleunderwriting.co.uk

01902 714 000

0207 528 4444

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y Pr o fe ss io na l Ri sks M o to r

Thistle Underwriting and Thistle London

Market Risks want to help you provide

the right cover for your clients

Our expertise, ability and appetite to

deliver a range of covers,

in Liability,

Professional Risks, Motor and

Property, make us believe Thistle

should be your first call when you

are looking to place your risks

Our Products

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y Pr o fe ss io na l Ri sks M o to

Motor

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y Pr o fe ss io na l Ri sks M o to r Mini-Fleet 01902 392 933 [email protected]

Mini-Fleet

*

Thistle

Underwriting

For your mini-fleet needs we know you require a mighty solution to send your clients into

overdrive! Our product is tailored to specialise in fleet risks and No Claims Bonus transfers

from 2–15 vehicles.

How to trade with us:

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 10% commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Open driving, over 21 with full licence • Comprehensive and Third Party, Fire & Theft

Cover

• Private cars & commercial vehicles • Standard ADF&T policy excess from £250 • Windscreen cover

• Replacement vehicle cover • 24/7 claims assistance helplines

Our specialisms:

Where we believe our mini-fleet product can offer additional benefits:

• 2-15 vehicles No Claim Bonus transfers • 2-10 vehicles fleet-rated risks

• Builders and allied trades

We appreciate that ‘fleet’ is a widely available offering across the industry but it’s the way we do it that makes us special!

• We have friendly and helpful Underwriters who are at the end of the phone to discuss your submission

• We will work with you to help you secure the risk • We have the flexibility to make a final decision

on a risk

• Quick turnaround on quotes • Fast electronic document issue

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y Pr o fe ss io na l Ri sks

* Thistle Insurance Services Limited does not currently provide Motor Fleet Insurance in Northern Ireland

What do we do?

We Place Cover for:-• Fleet-rated Motor Policies • Large and Complex Fleet Cover • Risk-managed 3-year arrangements • Distressed Fleet business

What are our areas of specialism?

Target Trades/Risks • Private Car Fleets

• Commercial Vehicle Fleets • Haulage and Distribution • Rural Fleet-rated self-drive hire • Couriers

• Hazardous Goods Fleets

(including over 30% hazardous goods) • Refrigerated Vehicles

Who do we use?

Markets

We access all traditional Lloyd’s & London Fleet Markets and in addition have exclusive access to markets for larger premium risks

All enquiries will be acknowledged within 24 hours, logged and passed to our broking teams. We will contact you to request further information if required and agree a broking strategy

M o to r

Motor Fleet

*

London

Market

Risks

Through our well-established London Market Fleet team, we can access the Motor

Fleet Underwriters of Lloyd’s and London Markets for you. We work with our markets and

contacts to deliver terms that meet the needs of your client.

Scott Mills 0207 528 4350 [email protected] Alastair Templeton 0207 528 4372 [email protected]

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y Pr o fe ss io na l Ri sks

Professional

Risks

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y

Professional

Indemnity

We know everyone has an “off day” and that is why we have developed a range of

professional indemnity products specifically tailored to meet your client’s needs for those

days when nothing goes right. With low minimum premiums and underwriters who listen

we can help you provide the right policy for your client.

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% Commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Trade-specific policy wordings

• Full civil liability wordings (excluding contractors) • Cover for Ombudsmen Awards

• Defence Costs of up to £100,000 covered for alleged breaches of the Data Protection Act • Cover for your costs to protect your intellectual

property up to £15,000 (some products) • Costs up to £10,000 if you inadvertently

transmit a computer virus to one of your clients (some products)

• Low minimum premiums

Our specialisms:

• Contractors with design exposure - especially general builders, electrical contractors, heating and ventilation contractors, shopfitters and internal refurbishment specialists

• Consultants - Management consultants, training consultants, health and safety consultants, marketing consultants - anything along those lines!

• IT - small IT firms and consultants with cover included for breach of contract

M o tor F lee t Pr o fe ss io na l Ri sks North Team 01902 392 899 [email protected] South Team 01902 392 897 [email protected] NI Team 0845 601 7930 [email protected]

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y

Professional

Risks

What do we do?

We Place Cover for: • Professional Indemnity • Directors & Officers • Medical Malpractice • Crime Insurance

• Professional Indemnity-led Packages • Pension Fund Trustees

• Charity Trustees’ Liability • Cyber Liability

• Financial Institutions

What are our areas of specialism?

Target Trades/Risks: • Design and Construction • Rail Contractors • Asbestos Contractors • Project Managers • Architects • Overseas Exposures • Unusual risks • Claims-heavy risks • Distressed risks

Who do we use?

We access all traditional Lloyd’s & London Professional Risks Markets and have access to a number of exclusive markets

All enquiries will be acknowledged within 24 hours, logged and passed to our broking teams. We will contact you to request further information if required and agree a broking strategy

Pr o fe ss io na l Ri sks

We have access to a number of products covering a wide range of professions that we

can place with numerous insurers both in Lloyd’s and the London Markets.

David Bond 0207 528 4449 [email protected] Louise Gibbs 0207 528 4463 [email protected]

Thistle

London

Market

Risks

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y

Directors and Officers have unlimited personal liability, so we have designed a product

to defend and protect their personal assets should the worst happen. We can cover

businesses operating in most sectors with a simple quote process and low minimum

premiums.

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters • Use our self-rating card (see website) to

indicate your own premiums

Commission rates:

• 20% Commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Option to include Employment Practices Liability and Corporate Entity Cover • Cover for Non-Executive Directors • Cover for outside directorships • Retired Directors Extension

• Cover for defence costs resulting from pollution claims

Our specialisms:

• We would be delighted to provide a quick quote on most areas, but just so you know, we cannot yet cover: telecoms and IT, pharmaceutical firms and financial industries • Turnovers up to £20m are our target though

larger turnovers can be accommodated on referral

Directors & Officers

North Team 01902 392 899 [email protected] South Team 01902 392 897 [email protected] NI Team 0845 601 7930 [email protected] Pr o fe ss io na l Ri sks

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty Pro p e rt y

We all know recruitment consultants love to talk, so you’ll never hear the end of it if their

cover isn’t up to scratch. Our specialist Recruitment product provides wide-ranging

cover in one simple package. We have a dedicated recruitment insurance team who

will offer you a fast quotation turnaround coupled with underwriting flexibility, enabling

you to provide client satisfaction.

How to trade with us:

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 10% commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Package policy - all the cover you need in one policy

• Vicarious Liability cover • Driver’s negligence extension • Fidelity Bonding extension

• Legal expenses cover, including Agency Worker Regulations cover

• Our own specialist product backed by a leading insurer and only available through us

Our specialisms:

Where we believe our recruitment product offers more:

• Where temporary workers are placed • Where non-standard contracts are agreed Why we’re sure to impress:

• We have friendly and helpful Underwriters who are at the end of the phone to discuss your submission

• We will work with you to help you secure the risk • We have the flexibility to make a final decision

on a risk

• Quick turnaround on quotes • Fast electronic document issue

Recruitment

Recruitment Team

0345 872 3507 (local call rate applies)

[email protected] Pr o fe ss io na l Ri sks

Thistle

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty M o tor F lee Pro p e rt y

Property,

Commercial

Combined &

Packages

O n line T ra d ing O th er C o ver s Li a b ili ty M o tor F lee t Pro p e rt y

Commercial

Combined

Because we recognise that no two businesses are the same we proudly offer the

flexibility of our Commercial Combined policy. This product offers a variety of

Commercial Property and Liability options tailored to your clients’ needs. Our policies

are designed for small and mid-market businesses where we have an extensive range

of trades including manufacturing and fabrication, warehousing and wholesaling as

well as the service industry.

How to trade with us:

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 15% commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Competitive premiums

(minimum premium £250 plus tax and fee) • Policies tailored to your clients’ needs with direct

access to dedicated specialist Underwriters

Core Cover:

• Property Damage - All Risks

• All fixed glass & sanitaryware included • Deterioration of Stock

• Dismantling and re-erection of machinery costs

Also available:

• Day one uplift on material damage

• Business interruption up to 133% - declaration linked

• Increase and additional increased cost of working • Cover for goods whilst in transit

• Book debts cover

• Employers’ liability - £10M including costs & expenses • Public and products liability options up to £5M • Corporate manslaughter defence costs - £500K • Loss of Licence

Our specialisms:

Our specialism is our attitude where you will find we look for reasons to write risks rather than refuse them. Although Commercial Combined suits clients with more complex needs, there is nothing complicated about the minimum premium, which can be accessed from just £250!

North Team 01902 392 899 [email protected] South Team 01902 392 897 [email protected] NI Team 0845 601 7930 [email protected]

Thistle

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty

Property Risks

What do we do?

We Place Cover for:

• Material Damage/Business Interruption • Property Owners

• Commercial Combined • Stand-alone Terrorism

What are our areas of specialism?

Target Trades/Risks: • Unoccupied Properties • Multi-tenure

• Property Owners

• Non-standard Construction • Leisure and Entertainment

• Timber Merchants and Woodworking Risks • Food Preparation and Processing Risks • Pharmaceutical and Chemical Risks • Warehousing and Industrial Risks • Waste and Recycling Risks

Who do we use?

Markets

We access all traditional Lloyd’s and London Property Markets with a number of specialist markets for package business and exclusive markets for larger property risks. In addition, we can wholesale into all of the large composite insurers

All enquiries will be acknowledged within 24 hours, logged and passed to our broking teams. We will contact you to request further information if required and agree a broking strategy

Pro

p

e

rt

y

We have solutions for those Property-based risks that fall outside many underwriters’

appetites. From the unusual to the distressed, we access markets that will provide cover

for your more complex risks.

Robert Beere 0207 528 4591 [email protected] Kevin Tunstall 0207 528 4595 [email protected]

London

Market

Risks

O n line T ra d ing O th er C o ver s Li a b ili ty

Computer

Insurance

Some of us are completely lost without our gadgets - if this is the case for your clients,

we’ve got it covered! Our Computer product offers extensive cover for a wide definition

of insured property to cater for the latest type of computer equipment and offers ‘All

Risks’ cover including Breakdown with a NIL Excess.

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% commission if self-serviced, reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Competitive premiums • Nil Excess

• All Risks cover for computer and auxiliary equipment

• Worldwide cover for portable equipment and computer media

• Comprehensive range of equipment covered including servers, laptops, personal digital assistants, smartphones, removable vehicle satellite navigation systems, broadband modems, digital cameras and digital projectors

• Full theft cover without requirements for forcible and violent entry or exit

• Full breakdown or derangement cover on desktop personal computers and portable computer equipment

• Includes an extension to provide cover for computer equipment in transit with a limit of £100,000 within the EU and European Free Trade Association and £50,000 elsewhere in the world

Our specialisms:

Nothing more to add! Our computer product offers extensive cover as standard and gives your clients a great degree of flexibility to select the cover they need

Thistle

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty

Package Insurance

Our package product contains no surprises as it does what it is designed to do; giving

your clients the cover they need in one place. We offer packages for Offices, Shops,

Pubs and Restaurants, giving a wide range of essential covers with optional extensions

available where required.

How to trade with us:

• By submitting quote requests to your dedicated team of Underwriters • Via our unique online trading platform

“This Way”

Commission rates:

• 20% commission if self-serviced, reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Accidental Damage as standard

• Competitive premiums (minimum premium from £250)

• Extensive list of acceptable trades • Multiple properties can be added online • Money, deterioration of stock, goods in transit,

business interruption, public, products and employers’ liability included as standard

• Optional cover for specified items, book debts, personal accident, legal expenses, equipment breakdown and loss of licence (automatic for pubs and restaurants) available

Our specialisms:

We have an extensive list of well over 300 trades that is constantly under review. If you cannot find what you are looking for on This Way, you can simply refer the risk to our underwriters for their help

O n line T ra d ing O th er C o ver s Li a b ili ty

Residents’ Associations & Management Companies require cover for a multitude of reasons.

Our product provides peace of mind for Private Resident Estate Associations including

Directors and committee members who may be personally liable for their actions.

Residents’ Association

How to trade with us:

• Via our unique online trading platform “This Way” • By submitting quote requests to your dedicated

team of Underwriters

Commission rates:

• 20% for self-service use on This Way • 15% where the underwriter is involved • Enhanced commissions can be negotiated

according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Core Cover:

• Public Liability • Employers’ Liability • Directors & Officers • Legal Expenses

Optional Covers:

• Material Damage

Features & benefit:

• Rated by number of dwellings • Public Liability up to £5M

• Directors and Officers up to 500K • Employee absence management and

rehabilitation programme

• Optional Material damage covers estate Property up to £100K (certain restrictions apply - refer to Policy Wording for full details)

Our specialisms:

We have said it all, this is truly a bespoke policy for clients in need of this cover

North Team 01902 392 899 [email protected] South Team 01902 392 897 [email protected] Pro p e rt y

Thistle

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty

Property Owners

Our Property Owners product is designed to give comprehensive cover for landlords who

own single or multiple residential and/or commercial premises. Whether they have a

house, warehouse, shop, office or industrial unit, we have the solution.

How to trade with us:

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 15% commission

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Competitively priced with low minimum premiums

• Extensive list of acceptable occupations • Multiple properties can be accommodated Core Cover includes:

• ‘All-risks’ policy wording • Day one basis - 15% • Additional sprinkler costs • Contract Works as standard

• Unauthorised use of gas and electricity or water up to £10,000

• Trace & access up to £10,000 any one loss • Capital additions and non-invalidation

extensions

Optional cover available for subsidence, employers’ liability, loss of rent, property owners’ liability, legal expenses, contents of common parts and contents cover if property is let fully furnished including furniture, furnishings, carpets and other household goods

Our specialisms:

Simply all those mentioned in our introduction, combined with All Risks and Glass Cover included as standard Pro p e rt y

Underwriting

O n line T ra d ing O th er C o ver s Li a b ili ty

Liability &

Construction

O n line T ra d ing O th er C o ver s

What do we do?

We Place Cover for: • Employers’ Liability • Public/Products Liability • Contractors All Risks • Excess Public Liability

• Product Recall and Product Guarantee • Tour Operators’ Liability

What are our areas of specialism?

Target Trades/Risks: • Construction • Civil Engineering

• Groundworkers and Piling Contractors • Roofers, Scaffolders and work at Height • Rail Risks and Trackside Exposures • Waste Transfer, Skip Hire and Recycling • Demolition Contractors

• Timber Merchants and Woodworking Risks • Heavy Product Liability Risks

• North American Exposures

• Food Preparation and Processing Risks • Pharmaceutical and Medical Risks

Who do we use?

Markets

We access all traditional Lloyd’s & London Liability Markets and have delegated binding authorities for Excess Public Liability and Combined Liability covers

All enquiries will be acknowledged within 24 hours, logged and passed to our broking teams. We will contact you to request further information if required and agree a broking strategy

Li a b ili ty

Liability &

Construction

For High-Risk Construction trades and heavier liability exposures, we have access to

products and underwriters that will enable you to secure business.

Matthew Wadhams 0207 528 4157 [email protected] David Doyle 0207 528 4212 [email protected]

London

Market

Risks

O n line T ra d ing O th er C o ver s

If you’ve got the contractors, we’ve got the works! Our Contractors All Risks cover is

specifically designed to cover the works in progress risk and plant for a wide range of

contracting occupations. This can be arranged in conjunction with Liability terms or in

isolation.

Contractors

All Risks

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% commission if self-serviced, reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Cover for risks up to £5M turnover • Maximum contract value of £2M • Option to add Owned & Hired-in Plant,

Employees’ Tools & Site Huts

• Speculative build cover available as standard • Show home contents cover available upon

referral

Our specialisms:

Our statistics show that we’re great at: • Drainage Contractors

• Glaziers

• Flooring Contractors • Landscape Gardeners • Painters and Decorators • Building and Allied Trades

Thistle

Underwriting

O n line T ra d ing O th er C o ver s

Liability

Liability can be a prickly subject so it’s a good match for Thistle! Our policy provides

Public/Products & Employers’ Liability Insurance for: Contractors, Manufacturers &

Wholesalers, Professional businesses, Retailers and Property & Land Owners, all of which

can be written with bespoke rating allied to flexible underwriting.

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% commission if self-serviced reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Extensive trade list with over 400 occupations; all can be written online with low minimum premiums

• Multiple trades available - also bespoke trades can be added, subject to referral

• Up to £5M turnover available on either per capita or wages basis

• 50 free days EL cover for temporary employees if EL cover already in place

• Manual work in the EU up to 25% as standard • Up to £5M PL limit - XS layers also available • Optional tools cover

Our specialisms:

• You can select up to 6 trades and each is rated separately (we don’t just charge the highest rate), therefore allowing competitive pricing of risks

• Bespoke trades and business descriptions can be added to match your clients’ exact occupations

O n line T ra d ing O th er C o ver s

Self-Build

You wouldn’t want your client’s dreams to go up in smoke so protect them with our

Self-Build Product, which is designed for individuals who are building their own private

residence that they will occupy when it’s completed. We recognise this isn’t just about

building a house, it’s about making a home.

How to trade with us:

• Via our unique online trading platform “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% commission if self-serviced, reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• 18-month, non-renewable, policy period • Public/Employers’ liability

• Contract Works & Plant and temporary buildings

• Optional cover for existing structures & employees’ tools

• Competitive minimum premiums

• Instant premium indications via our website (post code and contract price needed) • Public Liability for £2M or £5M

• £40K own plant

• Additional interest of any Bank, Finance Company or Building Society covered automatically within our wording

Our specialisms:

• We are currently reviewing our Self-Build product with a view to offering additional cover options for Self-Builders

• We’ve said it all. After all, “Selfies” are all the rage these days!

Thistle

Underwriting

O n line T ra d ing O th er C o ver s

Excess Layer

You can now go to excess on “This Way”! Excess Layer liability is now available on our online

trading platform. Over 200 occupations from the Contracting, Engineering, Professional,

Retail, Leisure, Manufacturing and Wholesale sectors are available to select from.

How to trade with us:

• Via our unique online trading platform - “This Way”

• By submitting quote requests to your dedicated team of Underwriters

Commission rates:

• 20% commission if self-serviced, reducing to 15% if referred

• Enhanced commissions can be negotiated according to agreed growth plans. Please contact you Regional Development Manager to discuss further

Features & benefits:

• Statement of fact basis - no primary schedules required

• Wide range of limits starting at £1M • Short period options available • Can match common renewal dates • Ability to follow most primary policy wordings • Quote and bind yourself for instant

documentation

Our specialisms:

• All construction trades • Engineers

• Bespoke trades and business descriptions can be added to match your clients’ exact occupations

Online

Trading

This Way

This Way System Assistance 08446 923 855

[email protected]

“This Way” is our e-trading platform where you can place risks directly. It’s great for both

the straightforward risks and also the more unusual where there may be a need for one of

our experienced underwriters to answer a referral.

As well as receiving instant quotations

for your clients’ risks, “This Way” also

allows you to bind and service risks

online, offering the following features:

• Higher broker commission if you input quote details yourselves

• You can select up to 6 trades and each is rated separately (we don’t just charge the highest rate), therefore allowing competitive pricing of risks

• A built-in referral process allowing an

opportunity for brokers to provide more detail which, in turn, helps our Underwriters to find a solution

• A wide and growing product range with more than 24 products available

• Very wide occupation list for each product

• Fast referral turnarounds • Instant documentation

• Direct access to our “This Way” support team who provide immediate resolution to technical problems

• The system allows you to handle MTAs and renewals

• We are always happy to help and also to visit, providing system training for your staff

All in all, “This Way” is an ideal solution for your micro and SME risks, saving you time and money on low-margin business.

To find out more, please visit www.thistleunderwriting.co.uk O n line T ra d ing O th er C o ver s

Underwriting

O th er C o ver s

Other

Covers

What do we do?

• Our facilities team can review and replace any existing delegated authority binders

• We can assist in setting up new arrangements and facilitate meetings with the appropriate markets to deliver your clients’ needs • We act as a conduit between you and the

insurer, helping a long-term relationship to develop by giving you the tools to facilitate small-premium, high-volume business

• You control the underwriting and administrative functions and service your clients as you wish

If you have a scheme or facility you would like to discuss, please contact:

Facilities

and Schemes

Being part of the JLT Group gives us access to numerous insurers and re-insurers.

Coupled with our expertise and experience, we are well placed to assist those brokers

that operate their own schemes and facilities.

Rosemari Whiteman ACII 020 7528 4322 [email protected] Ewen Brown 07825 111 898 [email protected] O th er C o ver s

London

Market

Risks

We know a broker’s life is a busy one so we’ll do our best not to waffle and to highlight only the important bits: • We’re a Managing General Underwriter offering

flexible and tailored underwriting for an exclusive range of Products in the micro & SME marketplace. • Operating from Wolverhampton and Belfast we only transact business through Insurance brokers based in the UK including Northern Ireland.

• We’re experienced in what we do; our first piece of liability business was written back in 1987. Since then we’ve developed more than 20 products that are expertly managed by 60+ staff.

• Although we’re renowned for our liability expertise, we do more! Our exclusive Products include

- Liability and Construction, - Property & Packages, - Motor Fleet,

- Professional Risks.

• Our products are developed in-house in conjunction with Insurers/capacity providers and are managed through binding authority agreements.

• Risks are transacted from our in-house platform “This Way” where you can quote and accept policies yourselves for many products. Alternatively our Underwriters are happy to trade the traditional way, quoting from presentations submitted.

Our vision

“To be the Broker’s first choice in placing Micro, SME or Niche Business. We aim to use our underwriting expertise and creativity to grow our company, continually looking for reasons to write business rather than to refuse it.”

Deserved reputation

Whatever anyone says Insurance remains a ‘people, business’ and it’s no wonder that brokers work with people they like. It goes without saying that these people also have to know their subject inside out and make trading easy, in fact a pleasure!

Our brokers will agree that this has been our hallmark for more than 25 years now and although we’ve grown up as a company, we still have that family feel to our business. Our desire to impress you with innovative products, expert underwriting and service excellence has never been so strong.

Karen Percy

Operations & Distribution Manager

Thistle Underwriting

01902 714000

www.thistleunderwriting.co.uk

Based in the heart of the City of London, within a stone’s throw of Lloyd’s, Thistle London Markets have the experience and expertise to place your large, complex and unusual risks.

As part of the JLT Group, we have the strength and connections to provide you with risk solutions and the Lloyd’s and London Market access that your clients need.

The more we know, the more we’re able to help

Presentations are important, as they are the only information that our teams receive about your clients’ activities and requirements. Whether it’s a new enquiry or a renewal, to save time, we may ask you to provide additional information such as expiring/renewal terms, risk improvements etc., so the more information you are able to provide, the better we are able to help you.

Thistle London Market Risks can help with the following classes of business – see the product inserts for more information about each class and how to access our broking teams.

• Liability & Construction • Motor Fleet

• Property

• Professional Risks • Schemes and Facilities

Our commitment to you:

We want to deliver the most suitable cover for your clients. That’s why we are committed to turning around each new business enquiry as quickly as possible:

• Continued commitment to provide the best possible service

• We will provide initial guidance and terms, followed by a fully compliant quotation for our broking teams. “We offer a fast and professional approach to placing risks within Lloyd’s or the London Markets. Our relationship with our brokers is key to how we deliver our service; we want to work in partnership to help you deliver solutions for your clients’ needs.”

Bob Peterson

Executive Director

Thistle London Market Risks

www.thistlelmr.co.uk 0207 582 4444

Thistle Underwriting

We are here to help you grow your business.

Thistle London Market Risks

Lloyd’s & London Market access. Experience that offers

solutions to your clients’ large & complex needs.

Can we do even more?

A strong relationship works for everyone and we encourage you to talk to us about how we can work together. Contact your Regional Development Manager to arrange a discussion to see how we can make a difference to your securing more business.

www.thistleunderwriting.co.uk

01902 714 000

0207 528 4444

Thistle Insurance Services Limited. Lloyd’s Broker. Authorised and Regulated by the Financial Conduct Authority. A JLT Group Company.

Registered Office: The St Botolph Building, 138 Houndsditch, London, EC3A 7AW. THIS BROCHURE IS AVAILABLE IN OTHER FORMATS UPON REQUEST

A JLT Group Company

Think Thistle for your underwriting and broking needs.

Liability, Property, Motor & Professional Risks

See inside for more details of how we can help

Thistle - The Broker’s Partner of Choice.

Fulfilling your clients’ needs

and growing your broking business

Your guide to how Thistle can help

Creating complex imagery from a piece of paper, just like Thistle’s approach to working with their brokers, takes time, care and expertise... whatever the size.

We want to help our brokers grow to your business by providing an industry-leading service that delivers to your needs. We put brokers and your clients at the centre of our business.

Expertise

Thistle Insurance Services Limited is one of the largest Managing General Agents in the UK and part of the JLT Group. Our experience, contacts, expertise and heritage ensures that our people are well placed to deliver quality solutions - underwriting or broking - to brokers seeking to expand their business.

Our underwriting teams in Wolverhampton and Belfast have been trading for over 25 years, bringing a wealth of experience to complement their excellent service to brokers. They have built a reputation in being able to underwrite the quirky or unusual risk, but they also have a solid track record in underwriting normal risks. Brokers tell us that our teams consistently provide a friendly, efficient and professional underwriting service. This attention to detail combined with in-depth knowledge and experience makes Thistle Underwriting the ideal partner for brokers.

Innovative

Thistle’s London Market broking teams have been placing business for many years. Their experience and contacts in Lloyd’s and the London Markets provide an outstanding channel for brokers seeking to deliver innovative solutions for their clients. The London Market team have gained a deserved reputation for their ability to place risks where others fail to do so. Thistle Underwriting and London Markets’ strong and fruitful relationships with brokers are fundamental to our mutual future success. It’s an exciting time to partner with Thistle - we have expanded our product range to provide our brokers with more options for your clients, and we have improved processes and increased resources so that we can offer coverage to fulfil many client needs in one place - and we will continue to put our brokers and your clients at the heart of everything we do.

Opportunity

Thistle is determined to be the first-choice partner for underwriting and broking risks. We welcome the opportunity to demonstrate how our extensive market knowledge and service ethic can help brokers grow their business.

For risks large or small in Liability, Property, Motor or Professional - Think Thistle.

Paul Matthews

Chief Executive Officer