P&C Binding Authorities

Atrium is a recognised Lloyd's leader for MGA-sourced property and casualty insurance. The syndicate’s P&C portfolio includes a broad range of SME insurance products offered across the US and Canada. Team provides both traditional binding authorities and online binding authorities through AUGold.

Coverages offered include:

• Commercial
• Vacant
• Builders Risk
• Hard-to-place residential dwelling
• Contingent Auto/Cargo
• Truck Physical Damage and Cargo
• Non-Trucking Liability & Truckers General Liability
• Special events
• Niche Products

Find us at Box 238 at Lloyd’s

The North American P&C Team is a recognised Lloyd’s Leader for MGA-sourced property, casualty and trucking insurance. The team works closely in partnership with Lloyd’s brokers and coverholders to offer attractive insurance products and service for customers across all 50 US States and all Canadian Provinces. 

The team targets smaller product segments in the E&S and hard-to-place Canadian markets and does them well. This encompasses pricing correctly, appropriate policy coverage, strong claims handling, optimising distribution including through long term relationships, and utilising technology. These segments include Vacant Property, Builders Risk, Contingent Auto/Cargo Liability, Non-Trucking Liability, and Illinois Liquor Liability, amongst others. More broadly, the team differentiates from other Lloyd’s syndicates by offering property/liability package products. 

Perhaps the biggest USP is AUGold which was developed by underwriters in the team. The AUGold platform is a quote-bind-issue portal created for MGA’s offering ease of use for key Atrium products. As well as reducing administrative burdens associated with Lloyd’s binding authorities, such as automated document issuance and real-time reporting, AUGold allows access for retail agents to submit risks to MGA’s.

In more recent years, AUGold API connectivity has enabled the use of third-party data sources to assist the underwriting of each risk (most notably improved valuations and wildfire scoring), and direct connectivity to MGA platforms for API-generated quoting and binding. API and other digital initiatives continue to offer huge potential to embrace and maximise product and distribution opportunities.

Atrium Risk Management Services (“ARMS”) was established in January 2010 in order to support Atrium’s portfolio of US Binding Authorities.

To find out what our trusted team of Underwriters can offer you and to find out more about our classes, our agility, and decision-making approach, contact any of our underwriters or call us on +44 (0)207 050 3000.

Should you have a specific claims issue or wish to find out more about our first-class claims support please go to our claims page, for general claims service queries in the first instance please contact your agent or broker.