Property is one of the most common e-traded products, and finding policies that offer something different - or placing risks that are "different" can be hard.

At Pen, we pride ourselves on differentiation which is why we specialise in niche, non-standard risks for both commercial and residential properties.

You'll find our product on Acturis, plus, for the right opportunity we can build a bespoke product:

- To your specification eg a white-labelled product available only to your brokers, through the software house of your choice
- For your own quote and buy administration system
- For online broker panels, where we can support common policy wordings or provide our own

As e-trading specialists, being easy to do business with is built into everything we do, so there are no surveys, and for supporting brokers we can offer premium flex. For your client, we aim to add value wherever we can, so we offer pro-rata refunds for cancellations, which means your client will get back the unused % of the premium price if they need to cancel part way through the policy.