HAIM acts as a coverholder for Hardy’s Lloyd’s syndicate 382. It aims to follow Lloyd’s standards in all aspects and is subject to regular audits by both Hardy and Arig  on its underwriting, processing and settlement performance.

All business accepted by HAIM has been co-underwritten by Hardy and Arig. This ensures that Lloyd’s standards are maintained, and that regional expertise as well as maximum combined underwriting capacity can be employed.

Arig supports Hardy as a retrocessionaire through a variable quota share arrangement. In the majority of cases, risks are shared equally.  Where preferred, the combined capacity can be employed with the line split between the two entities applying their own security.