Risk appetite guides

Art & Private Client insurance, designed for high net worth individuals with complex risks, valuable properties and significant collections.

We have capacity up to £100m for buildings and contents and in excess of £150m for art, supported by a dedicated team of underwriters, art historians and claims professionals.

Care insurance is a specialist proposition designed for UK based care homes, domiciliary care providers and supported living services, protecting organisations that deliver essential care to vulnerable people.

The cover reflects the unique operational, regulatory and safeguarding risks within the care sector, supported by specialist underwriting expertise and a strong focus on continuity of care, reputation protection and risk management.

Charity insurance is built for the diverse needs of charitable and not-for‑profit organisations, from small community charities to complex, multi-site operations.

We offer specialist protection for property, people and governance risks, underpinned by a deep understanding of the charity sector and its purpose-driven approach.

Education insurance provides specialist cover for schools, colleges and other educational establishments, recognising the breadth of risks involved in educating and caring for children, students and staff.

We can support both state and independent institutions, offering flexible protection for property and liability and safeguarding exposures, backed by sector-specific claims and risk management expertise.

Faith and Community insurance is designed to protect places of worship and community organisations at the heart of local life.

Built on decades of sector experience, the cover addresses the risks faced by faith and community groups, including historic buildings, volunteers, public engagement and safeguarding responsibilities.

We write fine art which could be bought and sold at a reputable auction house, contemporary or classic, an individual item or a collection.

With capacity in excess of £150m, our appetite allows us to cover a wide range of unique, rare and high value items including paintings, statues, sculpture, civic regalia, collectibles and memorabilia.

We define heritage as property or activities with archaeological, historic, architectural, traditional, cultural, engineering or scientific significance.

We write risks that operate from or have heritage property and/or carry out heritage activities. This means we include modern, contemporary or unusual design, as well as buildings with architectural merit.

Leisure insurance supports organisations operating within the leisure, culture and visitor attraction sector, including museums, galleries and venues.

We provide tailored protection for property, visitors and income-generating activities, with specialist expertise to support organisations balancing public access, conservation and commercial sustainability.

Office Professions insurance is designed for office-based organisations and professional services firms.

The cover addresses core property, liability and people risks, with options to extend protection as businesses grow or diversify.

We write mixed portfolios and individual risks for a range of property owners and managing agents. We protect some of the most iconic real estate on the UK’s skyline and, as a listed buildings specialist, we also offer solutions for large listed buildings.

Ecclesiastical’s Schemes proposition is designed to support brokers delivering bespoke insurance solutions to clearly defined client groups, associations or membership bodies.

Built around delegated or affinity arrangements, the proposition combines specialist underwriting, flexible product design and strong governance, enabling brokers to develop sustainable schemes backed by technical expertise, service standards and a long‑term partnership approach.