Commercial insurance

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Expert commercial underwriting

DUAL are confident we can provide market-leading insurance solutions for the commercial sector. With a wealth of experience in our market segments, we offer composite products with meaningful extensions that can be precisely tailored to your client’s needs. Our underwriters are empowered to use their specialist skills to help to find you solutions, often in real time.

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Committed to quality service

Our streamlined underwriting process allows us to move quickly, helping you to achieve coverage within your client’s deadline. Working closely with a dedicated underwriter, you will be supported throughout the policy cycle.

Our products

Comprehensive, competitive cover for clients working in the printing industry.

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Features and benefits
  • Exclusive wording only available from DUAL
  • Direct claims reporting
  • Libel & slander, financial loss, operator error, copyright/confidentiality and bookbinders cover
  • A wide selection of BI extensions including AICOW, book debts, customer/suppliers extension, essential employee and loss of attraction
  • Occupational accident, legal expenses including contract disputes and 24-hour advice helpline
  • Computer breakdown including reinstatement of data and increased cost of working
  • Optional Extensions including fidelity/theft by employee, 24 hour personal accident and increased limits on standard covers.

Specialist coverage for metal workers and allied trades encompassing both property and casualty.

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Features and benefits
  • Exclusive wording only available from DUAL 
  • Direct claims reporting with our capacity providers
  • Specialist knowledge of the industry
  • Ability to write in conjunction with our separate aviation products liability offering
  • Property section including full theft cover, stock at sub-contractors, exhibition cover, automatic cover for moulds, dies and tools as well as non-manufacturing machinery breakdown cover
  • A wide selection of BI extensions including AICOW, book debts, customer and supplier extensions, essential employee cover and loss of attraction
  • Occupational accident and computer breakdown
  • Legal expenses including contract disputes and a 24-hour advice line
  • Optional extensions including financial loss, full fidelity/theft by employee and 24-hour personal accident.

Understanding the skill involved with specialist and bespoke woodworking has allowed us to tailor a combined product to help to meet the specific needs of your clients.

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Features and benefits
  • Exclusive wording only available from DUAL
  • Direct claims reporting with our capacity providers
  • Specialist knowledge of the industry
  • Ability to write in conjunction with our separate aviation products liability offering
  • Property section including full theft cover, stock at subcontractors, exhibition cover, automatic cover for moulds, dies and tools as well as nonmanufacturing machinery breakdown cover
  • A wide selection of BI extensions including AICOW, book debts, customer and supplier extensions, essential employee cover and loss of attraction
  • Occupational accident and computer breakdown
  • Legal expenses including contract disputes and a 24-hour advice line
  • Optional extensions including directors & officers, engineering inspection, financial loss, full fidelity/theft by employee, 24-hour personal accident and terrorism.

Our specialist plastics policy has been developed with the industry in mind to help ensure your client’s business has the right insurance in place to protect their premises, equipment and employees and customers.

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Features and benefits
  • Exclusive wording only available from DUAL
  • Direct claims reporting with our capacity providers
  • Specialist knowledge of the industry
  • Ability to write in conjunction with our separate aviation products liability offering
  • Property section including full theft cover, stock at subcontractors, exhibition cover, automatic cover for moulds, dies and tools as well as nonmanufacturing machinery breakdown cover
  • A wide selection of BI extensions including AICOW, book debts, customer and supplier extensions, essential employee cover and loss of attraction
  • Occupational accident and computer breakdown
  • Legal expenses including contract disputes and a 24-hour advice line
  • Optional extensions including directors & officers, engineering inspection, financial loss, full fidelity/theft by employee, 24-hour personal accident and terrorism.

We have developed our manufacturing offering to bring a package policy to market for small to medium sized businesses.

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Features and benefits
  • Exclusive wording only available from DUAL
  • Direct claims reporting with our capacity providers
  • Specialist knowledge of the industry
  • Ability to write in conjunction with our separate aviation products liability offering
  • Property section including full theft cover, stock at subcontractors, exhibition cover, automatic cover for moulds, dies and tools as well as nonmanufacturing machinery breakdown cover
  • A wide selection of BI extensions including AICOW, book debts, customer and supplier extensions, essential employee cover and loss of attraction
  • Occupational accident and computer breakdown
  • Legal expenses including contract disputes and a 24-hour advice line
  • Optional extensions including directors & officers, engineering inspection, financial loss, full fidelity/theft by employee, 24-hour personal accident and terrorism.
  • US exports considered.

Broad, flexible coverage for unoccupied property risks, with contract certain terms.

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Features and benefits
  • Exclusive wording only available from DUAL
  • Wide perils on a majority of risks
  • Specialist knowledge of the industry
  • Options to cover on a short-term basis as well as annual offerings
  • Loss of advanced rent cover for pre-agree rental contracts subject to the type of property
  • Ability to write up to GBP 7.5M rebuild
  • Property owners liability up to GBP 5M.

Comprehensive, flexible protection for land owners against personal injury and property damage claims. The policy can cover multiple locations up to 100 acres, with the ability to accommodate larger areas if required.

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Features and benefits
  • Ability to write multiple locations
  • Option for 2M, £5M or £10M public liability cover
  • Can write up to 100 acres but have the ability to accommodate larger if required
  • Legal expenses cover including contract disputes
  • Ability to write as stand alone or in conjunction with other DUAL products such as unoccupied properties, contractors or property owners.

Tailored, standalone legal liability cover for clients operating within airports. We offer flexible limits of liability well beyond what is normally required for working at major airports, as well as contract certain terms. 

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Features and benefits
  •  Airside liability wording
  •  A-rated security
  •  Specialist knowledge of the industry in partnership with a well-established aviation insurer
  •  Fast quote turnaround
  •  Contract certain terms ready to send to your clients
  •  Standalone product, no requirement to additionally insure the balance of casualty covers
  •  Flexible limits of liability including higher limits normally required for working at major airports
  •  Personal injury extension
  •  Corporate defence costs.

Standalone product liability cover for manufacturing firms supplying the aerospace and aviation industries. We offer high limits of indemnity and contract certain terms.

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Features and benefits
  • Aviation liability wording 
  • A-rated security
  • Specialist knowledge of the industry in partnership with a well-established aviation insurer
  • Fast turnaround
  • Contract certain terms ready to send to your clients
  • Full products liability cover
  • Standalone product, no requirement to additionally insure the commercial combined covers - however we would be happy to quote for this part too
  • Working parties liability cover available, providing cover for the public liability risk associated with ‘airside’ work
  • Grounding liability included as standard (covering financial compensation and investigation costs for airline operators following an occurrence due to the product manufactured)
  • High limits of indemnity available
  • Working parties liability can be extended to cover ‘personal injury’, covering any damages awarded to a third party following the action of the policyholder or their employee whilst working airside or on an aircraft.

 

Simple solution for covering contractor’s offices and stores. With three levels of standard cover, quotes can be issued quickly whether it be in conjunction with our contractors combined policy or in isolation.

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Features and benefits
  • Standard levels of cover for MD & BI limits at fixed premium
  • Alternatively the option to quote outside the standard limits
  • Property damage cover including stock at subcontractors, automatic glass and exhibitions cover
  • BI extensions including customer & suppliers
  • Option to include money cover including assault benefit
  • Option to include goods in transit up to £50,000
  • Option to include all risks cover for tools
  • Computer cover including reinstatement of data and increased cost of working
  • Ability to write stand alone or in conjunction with our CAR offering.

Cover for your clients that sell online through third party platforms.

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Features and benefits
  • Standard level of covers for MD/BI Limits at fixed premiums
  • The option to quote outside the standard limits on a bespoke basis
  • BI extensions including customer and suppliers
  • Option to include money cover including assault benefit
  • Option to include GIT up to £50,000
  • Computer cover including reinstatement of data and increased cost of working
  • Legal expenses included as standard
  • Additional insured parties clause available if required
  • USA/Canada exports accommodated subject to criteria.
Gherkin

Meet the team

Photo of Linda Bichener

Linda Bichener

Underwriting Manager
Photo of Linda Bichener

Linda Bichener

Underwriting Manager

Linda is the Underwriting Manager for the DUAL Commercial team, joining in 2000 and has been instrumental in the growth of the company. She provides a wealth of experience gained from 23 years in Property and Casualty underwriting, focusing on management in specialising schemes.

Outside work, Linda enjoys cooking, reading, reality television and travel.

Photo of James Ramira

James Ramira

Managing Director of Regional P&C and Social Care
Photo of James Ramira

James Ramira

Managing Director of Regional P&C and Social Care

James is the Managing Director of Regional P&C and Social Care, joining the company in 2014. He has over 25 years’ experience in the insurance industry, with 21 years specialising in the niche Social Care space on both the broker and underwriting functions.

Outside work, James is a big fan of sports especially football and golf. He enjoys travelling to different places with his family and socialising with friends.

Photo of Leah Miller

Leah Miller

Senior Underwriter
Photo of Leah Miller

Leah Miller

Senior Underwriter

Leah is a Senior Underwriter in the DUAL Commercial team, joining in 2022 and has over 18 years’ experience in the industry. She began her career in a leading broking firm and moved to underwriting in 2012, specialising in commercial and unoccupied insurance.

In her spare time, Leah takes long walks with her Springer Spaniel dog, loves trips to the theatre and enjoys shopping for vintage clothing.

Photo of Abi Payton

Abi Payton

Senior Underwriter
Photo of Abi Payton

Abi Payton

Senior Underwriter

Abi joined DUAL in 2024, specialising in general Commercial Combined. Abi has over 11 years experience, originally starting as a personal lines broker.

Outside of work Abi enjoys horse riding, reading and exploring the countryside with her two dogs.

Photo of Richard Threadgold

Richard Threadgold

Underwriter
Photo of Richard Threadgold

Richard Threadgold

Underwriter

Photo of Georgia Hollis

Georgia Hollis

Underwriter
Photo of Georgia Hollis

Georgia Hollis

Underwriter

Georgia is a Dip CII qualified Underwriter, specialising in Commercial insurance. She joined in 2023 and has 11 years of experience in insurance. She began her career in broking and moved into underwriting in 2021.

In her spare time, Georgia enjoys pilates & running as well as eating good food, so much so she has a food blog.

Photo of Alex Willis

Alex Willis

Underwriter
Photo of Alex Willis

Alex Willis

Underwriter

Alex is a Underwriter in the DUAL Commercial team. He joined in 2024 and brings nearly 10 years of experience in the insurance industry. Previously Alex worked in the not-for-profit sector before spending 2 years as a broker at Marsh and a further 7 years as an underwriter.

Outside of work Alex enjoys all things sport related, spending time with friends & family and travelling.

Speak to a specialist today

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +44 (0)20 7337 9888. Please note that DUAL is not authorised to deal directly with customers, so please direct any enquiries via your insurance broker.

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