Q Underwriting Case Study: 24 hour turnaround for faith client with recent storm damage


Authored by Q Underwriting

Read our case study to find out how our underwriters rose to the challenge and provided same-day cover with our Faith Combined product.


Our broker approached us with a case for a mosque, presented via email, which required new cover, as the previous policy was expiring later that day. The policyholder had recently suffered a storm damage claim of £25,000, so our terms needed careful consideration.

Issue and Exposure

Though the mosque had a large claim in the past, this was a one-off occurrence and there had been no similar incidents before or since the event. The client evidenced several areas of risk improvement reducing the risk of further claims including adequate material damage protections.

The Q Underwriting Solution

We had previously competed for this case 12 months earlier to no avail. Following negotiation by our underwriter, we agreed improved terms by reducing the flood excess and making a small reduction to the premium. The broker was able to secure the business on a combined risks package, providing protection for all the client’s needs, including buildings, contents, legal expenses, and indemnity cover for Trustees.

Our broker was successful because of the fast and flexible approach from our underwriters who are always willing to go the extra mile to deliver within tight timescales. This case is an excellent demonstration of the strong relationships we have with both our capacity providers and our brokers and shows the importance of good service and skilful negotiation.

Faith Combined provides a wide selection of material damage and liability options, including sector-specific covers, for Places of Worship

Find out more about Q Underwriting’s Faith Combined proposition CLICK HERE


About Q Underwriting

Specialist MGA providing quality products for niche commercial markets

Q Underwriting is a specialist underwriter, providing over 25 niche commercial lines products – all backed by A rated insurers. Our specialisms include construction, tradesmen and liability; charities, faith and recruitment; public and private hire, fleet and motor trade; and non-standard property. All our products are underwritten in-house by our experienced team.

Q Underwriting is a robust and reliable partner for brokers and insurers; we’re backed by The Carlyle Group, one of the world’s largest private equity firms. We write £95m of premium under delegated underwriting authority from several A rated insurers and our team of over 135 people support a nationwide network of brokers.

We are focused on providing excellent service and supporting brokers’ growth. In trading terms, we offer the best of both worlds: brokers have direct access to our experienced underwriters as well as a quick and easy to use broker portal – Qtrade – which houses all the products available from Q Underwriting in one place.


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