Coverages: Business Interruption | Property Damage

Halo Underwriting's Industrial Special Risks (ISR) insurance offers comprehensive "all risks" coverage for property damage and associated losses, tailored for businesses with insurable values starting at $5 million. Based on the industry-standard ISR Mark IV policy, it includes protection against fire, flood, storm, and more, with options for business interruption coverage. This policy caters to various sectors, including manufacturing, retail, and property ownership. 

Coverages: Product Liability | Public Liability

Halo Underwriting's General Liability insurance provides comprehensive protection for small businesses against personal injury and property damage claims. With primary coverage limits up to $30 million, the policy can be tailored to various industries, including manufacturing, retail, hospitality, and property services. Optional extensions enhance coverage, ensuring businesses are well-protected against potential liabilities. 

Coverages: Product Liability | Public Liability

Halo Underwriting's Excess Liability insurance provides additional coverage beyond primary liability policies, offering increased protection against substantial claims. With coverage limits up to $30 million, this policy is designed to safeguard businesses across various industries, including manufacturing, wholesale trade, retail, hospitality, and property services. Optional extensions, such as Errors and Omissions and Product Recall Expenses, allow for tailored coverage to meet specific business needs 

Coverages: Abuse Liability | Commercial General Liability | Management Liability | Medical Malpractice | Professional Indemnity

Addressing the needs of the Aged and Disability / Community sector, offering broader coverage with competitive pricing. Our Care team is passionate about protecting the businesses that care for our most vulnerable. We offer combined liability packages designed specifically for Aged Care and Disability Care providers. Reach out to our experts to discuss your client’s needs.

Coverages: Cyber | Directors and Officers Liability | Professional Indemnity

We have an extensive appetite accommodating SME risks through to large corporate accounts. Our Financial Lines team is dedicated to delivering solutions for a wide range of occupations, working closely with you to meet your specific needs. We are committed to exceptional customer service and take pride in understanding your clients’ business. Our experienced professionals focus on crafting insurance solutions that are perfectly suited to your unique requirements.

Coverages: Auto Physical Damage

From hire cars to commercial long haul fleets. Our Transport team brings expertise and quality underwriting to ensure you receive the best possible coverage options. Whether it's hire cars or commercial long-haul fleets, the Pen Transport team offers standard, nonstandard, and specialty commercial motor insurance tailored to your clients’ needs.

Coverages: Commercial General Liability | Public / Product Liability | Public Liability | Umbrella / Excess

Broad appetite for underwriting complex occupations. Our experienced Liability specialists are dedicated to providing tailored solutions to meet your needs. With available limits of $20M for Primary and $30M for Excess of Loss (XOL), $25M for Environmental Impairment Liability (EIL) along with optional extensions for Product Recall, $10M for Asbestos Liability, Errors and Omissions (E&O), and Care, Custody, and Control (CCC), we can craft exclusive products designed for both established and emerging broker portfolios.

Coverages: Property Damage | Business Interruption

Our team of Property experts are dedicated to working with you to provide effective solutions and outstanding service for complex medium-hazard risks. We have capacity of up to $55M LOL under our Industrial Special Risks (ISR) policy, and can participate 100%, or provide coinsurance support. Experience Pen Underwriting’s unmatched expertise in providing tailored coverage and competitive pricing on both our Epac policy for smaller limits/declared values ($2.5M or less) to our ISR offering.