Let us help you build your ideal policy

Our knowledgeable and experienced teams will work with you to build a bespoke policy to meet your needs.

Policy benefits

Comprehensive cover including as standard:

  • Material Damage ‘all risks specified perils’ for buildings and landlords’ contents
  • Loss of Rent/alternative accommodation
  • Risks up to £100m total sum insured per location
  • Property Owner’s Liability up to £10m limit of indemnity
  • Employers’ Liability up to £25m limit of indemnity
  • Engineering Breakdown automatically included for boilers, heating systems, lifts, alarms and air conditioning units in respect of the insured building
  • Legal Expenses £250k limit as standard
  • Cyber cover available

Highlights include:

  • Inadvertent omission to insure and third-party failure to insure – £5m limit
  • Automatic loss of rent /alternative accommodation 33.3% of sum insured
  • Cover for newly acquired /newly completed /redeveloped or refurbished properties for 30 days maximum £5m any one property
  • Extensions to material damage including
    • Archaeological discoveries
    • Clearing of drains
    • Debris recycling costs
    • Emergency access by police
    • Energy performance and sustainable buildings
    • Gardening equipment
    • Ground rent
    • Illegal cultivation of drugs
    • Incombustible reinstatement
    • Involuntary betterment
    • Loss minimisation
    • Obsolete building materials
    • Theft and malicious damage by tenants
    • Tree felling and lopping
  • Loss minimisation clause – for the sole purpose of avoiding or diminishing the amount of a loss following insured damage. £25,000 limit
  • Underinsurance clause deleted for buildings with an up to date RICS valuation

Service benefits

  • Evidence of insurance sent to your customers
    A step-by-step process ensuring these documents are delivered on time to reduce delays and financial losses.
  • Evidence of suppliers cover checking & chasing
    We want to ensure that your cover and your suppliers cover hasn’t got any hidden small print.
  • Direct access to decision makers
    Our senior team members have over 20 years experience giving them the knowledge they need to make informed, on-the-spot decisions.
  • Consistency of service
    Our aim is for you to deal with the same person or team throughout your time with us. We’re very proud to have a very low staff turnover which enables us to achieve this.
  • Claims support
    We provide a full claims service with up-to-date technology for you to get on with what you do best, leaving us to do what we do best.
  • Whole of market negotiation strategy
    Price is important and we agree a strategy upfront to provide confidence that the whole of the accessible market is explored.
  • Transparency
    We can work on a fee structured basis to ensure that our pricing is competitive and inline with the services we provide for you.

Key features

A single insurance provider for premises and contracting requirements including, but not limited to:

  • Public Liability, Employers Liability, Professional Indemnity and Contractors All Risks cover
  • Instant documentation
  • Statement of fact basis available (no need for proposal forms)
  • Annual or single project cover
  • Enhanced policy limits and optional uplifts
  • Engineering and Legal Expenses
  • Credit Insurance

We provide a full FREE expert review to give you an informed decision on what you think is best for your business:

Material damage ‘all risks specified perils’Property Owner’s LiabilityEngineering BreakdownOptional Cyber cover available
Loss of RentEmployers’ LiabilityLegal Expenses

Our client service charter

You will be assigned a dedicated account team through which our service will be delivered according to our core values:

With honesty and integrity, we will always aim to do the right thing for our clients, our suppliers, and our colleagues in a fair and just way in the hope of maintaining a long-term trustworthy commercial relationship.