Property Binders

Matthew Saunders leads a skilled team that underwrites on both the company platform and through Lloyd’s Syndicate 4000. The team leads or writes on a 100% basis on a large proportion of the business. Binding authorities are kept to a maximum of 50 at any one time to ensure that the portfolios are fully reviewed and closely managed throughout the year. The team prides itself on its long-term relationships with coverholders, brokers and clients, vital in this space.

Contact us

Matthew Saunders
Head of property binders
[email protected]

Miles Mallinson
Head of Property & Inwards Reinsurance Claims
[email protected]


Full value is favoured but primary, coinsurance and excess of loss are offered on difference in conditions (DIC) lines of business.

Firm pre-agreed rating guidelines are set with every coverholder, depending on the opportunity, exposures and capacity available.

Key territories

Predominantly across the US/North America focused.

Target market

Small and medium-sized enterprises (SME) low hazard commercial portfolios, mostly low attritional coastal appetite.

Personal lines business, excluding habitational risks.

DIC – flood and earthquake portfolios.

Specialty financial institutional lines – mortgage impairment and lender-placed property.

Maximum line size

US$10 million (specialist classes only)/US$2.5 million (critical catastrophe)