At Decus Insurance Brokers we are able to offer Mortgage Impairment coverage which provides protection against a financial institution’s owned and serviced loan portfolio in the event that no other insurance exists and the loan is in default. Our facility is written 100% with certain Underwriters at Lloyd’s of London.

Lloyd’s was the first market to offer lenders this coverage and policies have been written in Lloyd’s for over 50 years.  The form has evolved over the years to ensure its full compliance of FNMA, GNMA and FHLMC.

Turnaround time

We aim to respond within 24 – 48 hours as our facility offers in-house underwriting for the smaller institutions


The object to Mortgage Protection Coverage is to protect the interest of the lending institutions that are primarily engaged in the granting of loans secured by real property.