Non-Standard Insurance: Why Brokers Keep Coming Back to Nelson Policies

Some risks don’t fit neatly into a box, and we don’t believe they should be forced into one. Whether there’s a property with unusual features, an adverse claims history, or a risk that simply falls outside of a standard insurer’s appetite, brokers often need more than a simple yes or no. Sometimes they need to have a conversation.

We pick up the phone

Our underwriters are available to discuss risks, answer questions, and work through cases with brokers. Not because it’s revolutionary. Because somewhere along the way, insurance forgot that underwriting just needs a conversation.

If you’d rather have a face-to-face conversation via video call, we’re now able to offer Virtual Coffee Meetings. These virtual sessions can be used to go through current risks or to simply ask questions about our appetite.

For us underwriting is more than just offering an insurance policy, it’s about building relationships.

Experience you can rely on

It’s no secret that non-standard risks require a different approach to standard ones.

Our underwriters deal with complex cases every day, giving brokers access to experts who understand the non-standard market. That means professional guidance, practical conversations, and fewer situations where a risk is declined simply because it doesn’t fit a standard appetite.

A fast, personal service

We understand brokers are under pressure to deliver answers quickly to their clients, and we appreciate that delays in the underwriting process can be frustrating.

We focus on providing prompt responses and efficient turnaround times wherever possible. Not every risk will be straightforward, but our underwriters always try their best to get risks turned around within 2 hours.

Building long-standing relationships

Brokers want accessibility, consistency and straight answers as much as competitive products.

That’s why we stay close to our brokers, whether that’s through day-to-day conversations with our underwriting team to our new Virtual Coffee Meetings, brokers have a direct line to the people who can actually help with those harder to place risks.

Why Nelson Policies?

Not only are we proud of the products we offer, but we’re also proud of the service we provide alongside them.

In a competitive market where communication with brokers is getting increasingly distanced, we’re committed to remaining accessible, responsive, and easy to work with.

When it comes to non-standard insurance, sometimes the most valuable thing an underwriter can do is simply answer the phone.