We have Benchmarked SPUA against three main client concerns:

• Claims handling: Offers specialist underwriting support for non-standard risks, enabling placement of complex property and liability scenarios where mainstream markets may decline.

• Price competitiveness: Able to provide tailored structures and terms for harder-to-place risks, often making cover available when standard options are limited.

• Property appetite: Good capability for commercial property, bespoke property risks and complex portfolios that require non-standard wording or capacity.

We've found SPUA is a great fit for:

• Commercial property portfolios with complexity or higher risk features that need tailored cover.

• Commercial & Residential Body Corporates where standard markets struggle with unique exposures or larger sums insured.

• Industrial and warehousing exposures with non-standard occupancies or specialty risk requirements.

We've found SPUA may not be the best fit for:

• Small, standard property risks – When the risk is straightforward and fits into mainstream insurer appetites, SPUA may not offer the lowest price or simplest option.

• Ultra-large portfolios where extremely high-capacity line is required and where placement might favour global primary insurers rather than specialist agencies.

• Standard construction, low-hazard properties may be better served by insurers focussed exclusively on high volume rather than speciality underwriting.