It is in the Binding Authority arena that HK has earned its reputation and is where it continues to excel.

We specialise in the placement and management of binding authorities, or delegated authorities, arranged on behalf of our Clients.

Our client base is made up of Managing General Agencies and Wholesale Brokers located in the United States of America, Canada, New Zealand, Pacific Islands including Guam and Australia.

Our markets include Lloyd’s Syndicates as well as a number of insurance companies active in the U.S. binder marketplace.

We put great emphasis on the three way partnership between Coverholder, Broker and Underwriter and strive to create relationships that are meaningful and profitable for all parties.

The binding authorities themselves cover a broad spectrum……

• From tailor made facilities with discretionary rating to the more rigid, underwriting manual approach.
• Multiple lines of business including...
  Commercial Property (primary and excess); Packages and Monoline General Liability; Homeowners; Inland Marine; Wheels related classes including Commercial FTC and MTC; Professional Lines.
• From Coast to Coast
  We currently have Clients domiciled in over 30 States, Canada, New Zealand, Pacific Islands including Guam and Australia.
• Catastrophe / Non – Catastrophe
  Catastrophe exposed business is a major part of what we do. However, we also have a strong presence in perceived non-catastrophe States, providing a good balance to our portfolio – something that really appeals to our Underwriters!

Existing Clients are able to access statistics relating to their HK managed Binding Authorities via the secure Client Login Area.

New Clients
We are always interested in speaking with potential new clients.
At the same time we are sensitive to any potential territorial and/or business clash with our existing client base.
Please contact us for an agency questionnaire info@harmankemp.com