US General Liability
US General Liability
The US General Liability team works in close partnership with Lloyd’s Brokers and Coverholders to develop attractive insurance products for customers domiciled in the USA.
The team focuses on both Package and Standalone liability writing business through both the Delegated Binding Authority distribution model and the AUGold platform.
Underwriters understand customised products are key for their clients and work closely with agents to create and develop new offerings to provide exceptional coverage to the end Insured. Policies can be written on a bespoke underwriting basis or through Atrium’s quote-bind-issue portal which allows access for retail agents to submit risks to MGA’s.
Current classes of business supported include:
- Premises
- Vacant
- Builders Risk
- Course of Construction
- Loggers
- Liquor
- Contingent Auto
- Truckers
- Other niche sectors
Key attributes of the team include creating wordings, guidelines and rates for niche products individually tailored to meet the needs of the clients as well as offering solutions which allow for cost-effective ways of transacting high volume low premium business.
Our underwriters pride themselves on their accessibility, they can be found at the box in Lloyd’s, or in our offices in 8 Bishopsgate.
Meet the team
Wesley Butcher
US Professional Liability Underwriter | Group Head of Casualty
London
Wesley Butcher ___ US Professional Liability Underwriter | Group Head of Casualty
Location __ London
Department __ US Professional Liability, Leadership
Wesley started his career in 1999 with Willis before joining Atrium in July 2000 predominantly working on the Casualty Reinsurance account in his early years before working exclusively on the Professional Liability business since 2005. He completed his ACII in 2002.
Since 2023 Wes has appointed as Business Group Leader for Casualty at Atrium.
Outside of work Wes can often be found helping in the community with his involvement in his local football team and motorcycle club.
Year joined Atrium: 2000.
Emma Croucher
Head of US General Liability
London
Emma Croucher ___ Head of US General Liability
Emma started her career in 2007 at the Amlin Syndicate where she obtained her ACII. In 2014 she left with Duncan Dale to help develop and head up the Casualty portfolio at the new Lloyd’s syndicate, Dale Underwriting Partners. Emma joined Atrium in 2025. Outside of insurance, Emma enjoys travelling, evenings out at the theatre and live music events.
Adam Payne
Deputy Head of Digital Underwriting
London
Adam Payne ___ Deputy Head of Digital Underwriting
Adam joined the Professional Liability team in 2013. He begun his career at Marsh in 2012 after gaining a degree in Law and Business from the University of Warwick.
Year joined Atrium: 2013.
Harry Lewis
Underwriting Assistant
London
Harry Lewis ___ Underwriting Assistant
Harry is the newest member of the team, having started at atrium in 2019 working as an Underwriting Admin Assistant, he moved to the US PL team as an Underwriting Assistant at the start of 2023.
Outside of work Harry enjoys a round of golf or two.