More than just an insurer

We provide more than just insurance. Our partnerships with key organisations such as Historic England and Heritage Alliance enable us to gain insight for our customers into the risks and challenges the sector faces.
As the UK’s leading insurer of Grade I listed properties, we know that each historic establishment is unique, that’s why our underwriters work closely with brokers to assess every risk on its own merits. 

Client benefits

  • We work with key organisations to develop health and safety advice and solutions for the heritage sector. We provide free health and safety and risk management guidance and assessments with ongoing access to our free risk advice line
  • We understand how complexities can arise when restoring unique buildings, so we include minor contract works and an allowance for planning permission delays following a claim. Our legal expenses cover can also include planning application refusal appeals.
  • Buildings such as stately homes are likely to need protection for art, antiques and collections. Our cover provides for exhibitions and temporary removal, new acquisitions and defective title. There is no requirement to individually list all of the collection insured.
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.

Heritage customer

Broker benefits

  • Sector knowledge and expertise - we are the UK’s leading insurer of Grade I listed properties and we’re involved in insuring 8 of the UK’s world heritage sites. Our team includes art historians, fine art underwriters and heritage experts who are immersed in the sector.
  • We protect you and your clients with one of the largest and strongest in-house risk teams in the market, offering professional valuations and risk management advice at no additional cost1 – 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.
  • 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 historic houses and stately homes to castles, palaces and gardens 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 risk appetite.

Product highlights

Our Historic Britain 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
  • Public liability
  • Directors’ and officers’ insurance
  • Loss of licence
  • 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, and we can provide cyber cover as well as having PR crisis helplines to deal with any immediate situations, or a more in-depth reputation risk cover too.

1 Subject to underwriting criteria

heritage barometer vector image - bonnet and headphones