In the assessment of a risk, the Underwriter will take into consideration the business operation, trading environment, claims performance and potential risk exposure. Where applicable the claims performance will be analyzed over a minimum of the current plus 5 previous complete years. This same approach is used when considering renewal term of entry for existing Members.



The American Club's underwriting objective is to assume reasonable risk in return for fair and equitable premium. The Club has a responsibility to all of its Members to achieve the financial security and stability that the membership expects and requires.