From contemporary through to heritage

We insure a variety of contemporary and commercial property risks as well as some of the nation’s most historically significant buildings. 

More than just an insurance policy

In addition to our real estate insurance, we support your property clients with added services and professional support.

Client benefits

  • Our in-house teams can provide valuations and risk management assessment tools at no additional cost2. Read more about saving your clients the cost of professional fees.
  • Professional support from our survey team, we have experience with all building types, from heritage buildings to modern architecture. 
  • Provided we are kept informed of any material changes, and the sums insured are index-linked, our building valuations give reassurance, your clients will not be penalised for underinsurance when a claim is made on the buildings section of their policy.
  • We give access to our risk advice line to support your clients with risk management queries at no additional cost.
  • At times of loss, your client will benefit from an outstanding claims service. Our dedicated property claims specialists have experience successfully managing major and technical losses. 

Broker benefits

  • Ability to underwrite a wide range of risks from single properties to entire portfolios. 
  • Access to experienced regional underwriters with autonomy to make decisions.
  • High levels of capacity with the ability to underwrite risks in excess of £100million.
  • Broad risk appetite with generous automatic limits for policy extensions.
  • One stop shop with underwriting, claims, survey and servicing all based in our UK regional teams.

Product highlights

  • Property damage for buildings and contents may be insured against a wide range of perils including accidental damage
  • A variety of automatic extensions (dependent upon policy type) including but not limited to:

    • Inadvertent omission to insure 
    • Third party failure to insure
    • Privity of contract
    • Capital additions
    • Reinstatement to match to current technological standards
    • Emergency service damage to grounds
    • Extinguisher and alarm resetting expenses
    • Sprinkler upgrade costs
    • Unauthorised use of utilities 
    • Fly tipping clearance costs at occupied premises
  • Equipment breakdown for a range of equipment including lifts, boilers and air conditioning systems including extensions for computer failure and loss of data
  • Loss of rental income
  • Employers liability up to £10million per claim
  • Public liability up to £25million per claim, with standard limits of £5million or £10million 
  • Public liability for asbestos and terrorism up to the limit of indemnity or £10million, whichever is lower
  • Legal expenses cover options available. 
For our full summary of cover please view our Property Owners or Property Investors policy summaries below.