• Our Rates start at 1% going North, depending on what it is / where it is and Claims record Etc.
• A lot of US agents struggle to get a strong primary $2.5M / 4M locally.
  Hancock can get the more competitive X/S lines in place.
• We look at schedules of Values : $2M up to $100M.
  With our Max Capacity or Line of $4m.
• We do Full Value placings 100% or Co Insurance Shares % normally at higher rates than your local Markets to plug any short fall or Gaps.
  We can do Primary or Excess layers 
• Minimum premium 50k
• We prefer Small-Mid-size Enterprise Business.
•  We need to see / agree Policy wordings, but we assume most will be fairly standard to local Markets & Lloyd’s
• Usual list of Conditions, Exclusions / Warranty & NMA - LMA Clauses to apply.

Submission requirements: We need to see full details COPE & Pictures inside & out, plus 5 year Claims record , Survey and Prop forms if available . If not available our Indications will always be Subject to Survey report within 60 days of inception at Underwriters expense. On a Firm order a Fully completed, signed & dated Prop form will be needed, pre-inception by the insured .

We typically stay away from the following classes: 

• MARIJUANA/CANNABIS
• LEISURE
• HOTEL / MOTEL 
• CAFÉ , BAR , RESTAURANTS 
• BOWLING 
• CASINO 
• FISH PROCESSORS 
• ELECTRO PLATING 
• FOOD / ANIMAL WASTE BIOMASS
• CAR or EAR { Builders risk }
• SCHOOLS / COLLEGES.