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

• 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. 

• 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.

• 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:
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  • 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.