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QBE at a glance

QBE is one of the world’s leading

insurers and reinsurers, operating
out of 49 countries around the world
and has a presence in all of the key
insurance markets.

QBE in Europe Highly rated

Key facts
QBE is a specialist in business insurance, You can judge the size and strength
operating in all the major insurance centres of a company by the ratings it keeps. • Gross written premium £7.2 billion
throughout Europe and has over 100 years to year end December 2009
Insurer Issuer
experience in the UK. We have a strong financial credit • One of the largest managing
presence across the UK and Ireland, strength rating agents at Lloyd’s
enabling us to provide an outstanding Standard & Poor’s A+ A+ • A+ rating by Standard & Poor’s
service locally to brokers.
Fitch Ratings A+ A+ and Fitch, A rating by A.M. Best
In Europe, we have an in-depth • First London office formed in 1904
A.M. Best A A+
understanding of each of our chosen
markets. Our ability to combine our local • Regional offices throughout
Standard & Poor’s and Fitch Ratings
expertise with the broad knowledge of our the UK and Ireland
Insurer financial strength and Issuer
product specialists enables us to provide • Choice of writing business
credit rating for QBE’s main insurance
innovative solutions in each territory. with Lloyd's security or
subsidiaries (QBE Insurance (Europe)
Limited and QBE Reinsurance (Europe) company security
Our financial strength provides a level of
security and confidence with the added Limited) is A+. A.M. Best have assigned a
• Comprehensive product range
flexibility of our dual-pen capability. This rating of A for the Insurer financial strength
and A+ for the Issuer credit rating for • Award winning service - Insurance
means you have the choice of whichever
QBE’s main insurance subsidiaries. Day London Market Awards 2009,
is best for your clients, either Lloyd’s,
Underwriting Team of the year.
where we are one of the largest Ratings information correct as at Global Broker and Underwriter
managing agents, or company paper. 21 June 2010. 2009: Winner Insurance claims
and Reinsurance construction.
Financial strength Reactions London Market awards
QBE Insurance Group performance 2009 2010: Winner Best Insurance
Company of the Year, Best
Gross written premium £m 7,242 Insurance Underwriting Team
Net earned premium £m 6,087 for Casualty.

Combined operating ratio % 89.6

Net assets £m 6,047
Insurance profit £m 1,034
Shareholders’ funds £m 5,670

Published August 2010

Leading product range Our approach Local knowledge
As a specialist in business insurance, the All our people are encouraged and UK and Ireland – Underwriting offices
breadth of the industry sectors we cover is empowered to think for themselves, and London, Dublin, Birmingham, Bristol,
almost as diverse as our range of products. to use their expertise to find a way around Chelmsford, Glasgow, Leeds, Manchester
With an appetite and capacity to provide problems. We have a healthy appetite for and Stafford.
cover across any size of business we are risk, and a willingness to work flexibly in
market leaders in the vast majority of partnership with brokers, enabling us to Europe – offices situated in Belgium,
products we offer. find solutions where other insurers can’t Bulgaria, Czech Republic, Denmark,
or won’t. We don’t believe that one size Estonia, France, Germany, Hungary, Italy,
With literally hundreds of product lines fits all or that we should follow what other Macedonia, Romania, Slovakia, Spain,
we are confident we can provide you insurers do, which means we are always Sweden, Switzerland and the Ukraine.
with a competitive and effective solution. willing to take a view on specialist risks.
To give you a flavour of our extensive History of QBE
range, we have listed some of our product We stand by our claims
lines below: In 1886, the North Queensland Insurance
At QBE we pride ourselves on our Company was formed by two insurance
• Accident and health (inc commercial professional, efficient and sympathetic agents in Sydney, Australia. The company
PA and business travel) approach to claims. So not only do we was expanded by establishing agencies
• After the event insurance take great satisfaction from our highly throughout Asia and Australasia. There
rated* claims service, we also place was even an agency presence in London
• Aviation great emphasis on risk management, prior to the branch office opening on
• Bloodstock working with clients to improve their Fenchurch Street in 1904.
• Commercial crime systems and processes.
North Queensland Insurance Company
• Commercial combined Effective risk management is an continued to grow and acquired Equitable
• Commercial motor – (inc fleet, essential feature of all successful Probate and General Insurance in 1959,
haulage, bus and coach, motor trade) organisations and is one of our key before merging with the Bankers and
underwriting considerations. Our Traders Insurance Company in 1971
• Contractor all risks/EAR
objective is to work hand in hand with to finally arrive at the name – QBE.
• Energy, offshore and onshore all stakeholders to ensure we take every
• Entertainment and leisure industry opportunity to contain and control risk.
This helps us to reduce the frequency
• Financial and professional liability and severity of our clients’ loss experience.
(D&O, PI)
*Highest proportion of brokers rating our claims service ‘above average’
• General liability (EL, PL, Tradesman)
(out of 19 insurers – Gracechurch June 2010 Performance monitor of London Market brokers)
• Marine
• Pharmaceutical and medical
• Political risk and terrorism
• Product guarantee and recall QBE is proud to be an Official Partner
of England Rugby and Premiership
• Product protection
Rugby. Working with two leading
• Property names in the sport means that we can
• Reinsurance expand our association with specialists
on and off the rugby field, allowing
• Scheme underwriting facility
QBE’s brand to develop and business
• Specie to grow in the UK.
• Surety
To find out more about how QBE
• Trade credit and bonds is supporting rugby at all levels of
• Warranty and GAP. the game, please visit and
So whether it’s cover for a dental practice register your details to receive advance
or a leisure centre we are confident we news of forthcoming rugby events
can provide the cover. Please visit and competitions. and review our
product guide and even if you cannot find
what you are looking for here, we’ll do all To find out more
we can to provide a competitive and
effective solution. For more information about QBE and how
we can help your business, please visit
our website or
e-mail us at

QBE European Operations is a trading name of QBE Insurance (Europe) Limited and QBE Underwriting Limited. QBE Insurance (Europe) Limited
and QBE Underwriting Limited are authorised and regulated by the Financial Services Authority. QBE Management Services (UK) Limited and
QBE Underwriting Services (UK) Limited are both Appointed Representatives of QBE Insurance (Europe) Limited and QBE Underwriting Limited.