Our Products
Specialist Underwriting for Commercial Risks
Gem Underwriting provides commercial liability and Professional Indemnity solutions through selected wholesale and retail insurance brokers.
Our approach combines experienced underwriting, responsive communication and direct access to the people assessing each risk.
From established commercial liability classes to our new Professional Indemnity proposition, we work with brokers to understand the business behind the submission and make clear, informed underwriting decisions.
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Employers Liability
Protection against the insured’s legal liability for damages and claimant’s costs arising from injury sustained by a person employed in the course of their employment.
Limits of Indemnity of up to £25 million may be available for suitable risks, subject to underwriting and the applicable policy Schedule.
Public & Products Liability
Protection against legal liability arising from accidental injury, property damage or nuisance connected with the insured business, together with liability arising from products connected with the business.
Limits of Indemnity of up to £25 million may be available for suitable risks.
Professional Indemnity
Responsive Professional Indemnity underwriting for a range of UK-domiciled professions.
The proposition provides brokers with direct access to experienced underwriters, commercial decision-making and Limits of Indemnity of up to £5 million.
The Gem Approach
Experienced people. Commercial decisions.
Good underwriting requires more than a system or a rate.
Our team takes the time to understand the activities, exposures and controls behind each submission, helping brokers present the risk clearly and receive an informed response.
Leaders in UK Liability Market
Our team brings more than 60 years of combined experience in the UK liability market.
Direct Access
Responsive Service
Individual Consideration
A broad commercial liability appetite
Gem’s current liability appetite includes businesses operating across areas such as:
• Construction and contracting
• Engineering
• Manufacturing
• Transportation and haulage
• Leisure and hospitality
• Retail
• Renewable energy
• Railway work
• Security
• Specialist and higher-hazard trades
We can also consider a range of risk features, including hazardous locations, temporary work in the European Union and certain North American export exposures. All risks remain subject to underwriting review, agreed terms and any applicable endorsements.
Risk management that supports the insured
A health and safety survey service may be available for suitable liability risks. Where the service is retained, premium savings of up to 10% may be available, subject to underwriting agreement.
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Address
Fourth Floor, 37-39 Lime Street
London, EC3M 7AY
United Kingdom
Product Information
The information on this page is a general summary and does not form part of the contract of insurance. Exact cover is determined by the applicable policy wording, Schedule and endorsements. Limits, extensions and availability are subject to underwriting review and acceptance. Liability insurance is underwritten by Gem Underwriting Agency Ltd on behalf of Irwell Insurance Company Limited and is distributed through selected insurance intermediaries.
At Gem Underwriting Agency Ltd, we're not just another insurance provider; we will become your trusted partner in navigating the complex world of insurance. Discover the Gem difference today.
Fourth Floor, 37-39 Lime Street, London, EC3M 7AY, United Kingdom
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Gem Underwriting Agency Ltd is an Appointed Representative of Bannerman Rendell Limited who are authorised and regulated by the Financial Conduct Authority to conduct insurance distribution activities. Our registered number is 986425. You can check this by visiting www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
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