Coronavirus: temporary cover enhancements to your insurance policy
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In light of current uncertainty caused by the outbreak of COVID-19 we understand that there will inevitably be an impact on your insurance needs.
More than just an insurer
We provide more than just insurance. Our work with key organisations such as Historic England and The Heritage Alliance enables us to gain insight into the risks and challenges our customers face.
Our highly-skilled team of heritage experts, including underwriters, risk consultants and claims handlers, are immersed in the sector. Our team will work closely with you to understand your client’s unique requirements and provide them with a tailored policy.
Client benefits
- Building valuation surveys carried out by specialist surveyors who understand the complexities of heritage and cultural properties, to establish a building value. Our in-house team of surveyors can also provide risk management surveys and access to our risk advice line, at no extra cost1.
- We know that for many of your Heritage Business and Leisure clients, it’s extremely important that their income is protected during any period of unsettlement following a loss, so our business interruption insurance provides for prevention of access, loss of attraction and archaeological digs.
- For clients who rely on specific licences, our policy can provide cover for the fortuitous loss of these including premises and wedding.
- Clients tend to choose us because of our specialist knowledge of the heritage sector2.
- Where appropriate, we will defend liability claims in a manner that protects your client’s reputation and we can provide rehabilitation support for employees.
Nobody ever wants to be flooded, but on the evidence of this episode the best thing that can happen to you if you are to be flooded is to be insured by Ecclesiastical.
Broker benefits
- We protect you and your clients with one of the strongest in-house risk teams in the market, offering professional valuations and risk management advice for peace of mind – so you can be sure that your clients have adequate buildings cover.
- We can link the building value to the Ecclesiastical Heritage Index, a specialist building index which tracks the costs of building materials and specialist skills that are often unique to heritage buildings.
- In-house support from underwriting, claims and risk management teams, all based in our regional offices.
- Access to our risk advice line on 0345 600 7531, to help you handle your client queries.
We have a broad risk appetite, ranging from heritage hotels and spas, to offices and retail spaces and everything in between. In the risk appetite guide for this policy, you’ll find a list of the risks we frequently encounter. Contact your regional centre if you have a risk not mentioned within our appetite.
Product highlights
Our Heritage Business and Leisure product can be tailor-made to suit your client. Some examples include:
- Buildings and contents
- Business interruption
- Reputational risk
- Trustee and management liability
- Cyber
- Employers’ liability insurance
- Public liability insurance
- Directors’ and officers’ insurance
- Loss of license
- Equipment breakdown
- Fine art, collections and antiques
- Loss of money
- Fidelity guarantee
- Hirers’ liability
- Legal expenses
- Group travel
- Personal accident
- Professional indemnity
- Engineering inspection.
We understand your clients may be concerned with data safety so we can provide cyber cover, a PR crisis helpline and enhanced reputational risks cover, all to support your client’s recovery following a crisis situation.