Property Insurance

Specialist Property solutions for Mid-Market and High Hazard risks

DUAL Property offers specialist insurance solutions for commercial and industrial enterprises in the Mid-Market and High Hazard segment.
Thanks to our technical underwriting approach, supported by risk engineering, we give brokers access to consistent capacity for risks where traditional markets are becoming increasingly selective. We operate primarily as a capacity partner within co-insurance structures and selected property facilities.

    Our proposition

    Our Property proposition focuses on:

    • Mid-Market Property risks for commercial and industrial enterprises.
    • High Hazard Property risks, including manufacturing companies, recycling activities, wood-processing industry, and other fire-prone sectors.
    • Participation in carefully selected broker facilities and property pools.
    • A technical, risk-driven underwriting approach in which risk engineering forms an integral part of the acceptance process.
    Property

    Our target

    We work exclusively through professional insurance brokers and focus on:

    • Medium-sized and large enterprises with a property or business-continuity risk.
    • Industrial companies with complex operational risks.
    • Organizations for which specialist underwriting and additional capacity are essential.
    • Brokers seeking a reliable capacity partner for challenging property placements.
    Property1

    Our approach

    DUAL Property combines underwriting expertise, risk engineering, and portfolio management within one integrated platform. This allows us to offer sustainable capacity for both individual risks and structured portfolio solutions, with a strong focus on risk quality, long-term partnerships, and consistent service to brokers.

    • Our risk appetite

      • Target risk

        • Sprinkler protected facilities
        • Modern construction
        • Strong housekeeping standards
        • Active risk management culture
        • Demonstrated loss prevention measures
        • Comprehensive COPE information available
        •  Long-term risk improvement commitment

      • Outside of appetite

        • Highly aggregated flood zones
        • Poor housekeeping standards
        • Unprotected high hazard occupancies
        • Combustible construction without mitigation
        • Pure CAT driven portfolios
        • Complex petrochemical/refinery risks
        • Vertical timber construction
        • Vacant buildings

      • To be evalued case by case

        • High hazard occupancies with improvement plans
        • Complex industrial processes
        • Older properties with risk engineering support
        • Moderate NatCat exposure
        • Distressed placements with strong underwriting rationale

    Why choose DUAL Property?

    • Technical underwriting

      Our acceptance decisions are supported by a structured assessment of Construction, Occupancy, Protection and Exposure (COPE) and, where needed, extensive risk-engineering analyses. This allows us to assess risks based on quality rather than size alone.

    • Focus on complex risks

      We have a specific focus on Mid-Market and High Hazard risks where market capacity is limited and specialized expertise is required.

    • Consistent capacity

      As a follow-market capacity partner, we provide stability within co-insurance programs and help brokers achieve complete placements for their clients.

    • Broker-first approach

      We work with a select network of specialist brokers and combine fast decision-making with clear underwriting guidelines and pragmatic collaboration.

    We're here to help

    Contact us

    For general enquiries and everything else please complete the form below or call +31 10 3229006

    Privacy policy

    CAPTCHA
    This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.