Why we’re different


Flexible Per Capita

We can allow up to 20 per capita workers, including Labour-Only Subcontractors, allowing us to write risks which don’t traditionally fit online but are too small for the minimum premiums charged by an in branch underwritten policy.


Competitive Quotes, Online

Our quote engine includes over 500 trades and has the option of combining Professional Indemnity & Liability. Our online quote facility for Contractors All Risks can deliver highly competitive quotes in minutes. High risk and larger contractors can be quoted offline.


High levels of bona-fide sub-contractors considered

Most online systems will decline a risk if the payments to bona-fide subcontractors exceeds a certain percentage of the overall turnover – typically 25%. Our system is more flexible and will cater for higher levels of bona-fide sub-contractors.


Access to number of markets if risk does not fit

Our online platform can cater for a multitude of trades, but there will inevitably be some risks that fall outside of the underwriting criteria for acceptance online. This could be for a number of reasons – complexity of the trade, sectors worked in, total contract values or large overseas exposure for instance. In these circumstances it may be more appropriate to look at the risk on a traditional basis via a proposal form.


Scheme set up

We’re always open to working with brokers in establishing new exclusive facilities. Whether it be Professional Indemnity or General Liability, we’re happy to explore the possibility of scheme business. Here at Air Underwriting, coverholder at Lloyds, we have in house scheme experience and the right contracts, and feel we could have the solution to your scheme requirements.

Get in touch for more information

Our teams are structured to deliver business insurance broker solutions that add value to our clients.

Proposal form Policy wordings
01270 758095Contact

Get a quote with our easy, online quote engine

We can provide quotes for an extensive range of trades through our online quote and buy facility.

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Latest News

Changes to Labour only and Bona fide subcontractors calculations

We’ve changed the way that we calculate our labour only (LOSC) and bona fide (BFSC) subcontractors. These changes have made Changes to Labour only and Bona fide subcontractors calculations

Risk Assessments & Method Statements

Risk assessments and method statements stand as crucial tools that empower companies to navigate complex challenges and ensure the safety, Risk Assessments & Method Statements

Who needs Employers’ Liability Insurance?

Employers’ Liability (EL) is a legal requirement for many businesses, but there are several exemptions. It is important that EL Who needs Employers’ Liability Insurance?

© Air Underwriting . Privacy Notice. Complaints Procedure

Air Underwriting is a trading name of R K Henshall & Co Ltd. R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority Registration Number – 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. Registered No. 1285024 England