Higher Hazard Property

Appetite Guide

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Higher Hazard Property (ISR) Insurance

Our Higher Hazard Property Insurance is tailored for businesses with well-managed, high-severity occupations, providing specialised solutions backed by risk management to assist you in securing the appropriate coverage for your clients. We focus on industries including timber mills, woodworking, plastic manufacturing, and chemical production, among others. Refer to our risk appetite guide to explore the types of Higher Hazard Property we cover and the benefits of our proposition. Under our Vero Specialty Lines offering, this product is backed by the reassurance of Vero’s large-scale operations and award-winning claims service.

Higher Hazard Property insurance can offer:

  • Expertise, capability and underwriting service: Our skilled underwriting, risk engineering, and claims teams understand your clients’ unique requirements, delivering exceptional service with nationwide reach.
  • Tailored solutions: We provide significant capacity for higher hazard occupations, with customisable coverage and deductibles based on exposures and claims history.
  • Exceptional claims service: We're dedicated to you during claims, backed by a proven track record and industry recognition with five consecutive Gold Mansfield Awards for excellence in claims management.
  • Personalised claims support: Each policy includes a dedicated Claims Officer and Relationship Manager for tailored, responsive assistance.
  • Comprehensive risk engineering: Receive an in-depth risk engineering report, backed by our large risk engineering team, and access our industry knowledge, risk management, reporting, training, and advice.*
  • Broker training: Access comprehensive product training and detailed loss bulletins to stay informed and prepared.
  • Long-term partnership: Vero’s proven long-term stability means you can engage with us confidently, ensuring no surprises along the way.

* subject to underwriting guidelines and excluding regional areas, limited to up to one report per policy period

Appetite Guide

Why Choose Higher Hazard Property Insurance

Dedicated Underwriting Team

With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.

Dedicated Underwriting Team

Risk Management Solutions

We understand complex businesses require specialised solutions, which is why we provide holistic risk management to ensure brokers have the tools they need to meet their client’s needs.

Risk Management Solutions

Award Winning Claims Service

Vero’s claims service has won the Gold Mansfield Award for Claims Excellence for five consecutive years (from 2020-2024), making it easier than ever for brokers to get their client’s business back on track.

Award Winning Claims Service

Award Winning Claims Service

Vero’s claims service has won the Gold Mansfield Award for Claims Excellence for five consecutive years (from 2020-2024), making it easier than ever for brokers to get their client’s business back on track.

Risk Management Solutions

We understand complex businesses require specialised solutions, which is why we provide holistic risk management to ensure brokers have the tools they need to meet their client’s needs.

Dedicated Underwriting Team

With Vero Specialty Lines, brokers gain direct access to a dedicated team of underwriters to ensure fast, consistent and personalised support.