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We have many years experience of providing property owners insurance to individuals, management companies and associations alike. Purpose built, converted or timber framed blocks of flats, offices, commercial or a mixture, single properties or multiple portfolio risks.

 

We also have specialist facilities for residential, holiday home and holiday let properties. We work closely with clients to ensure that certain conditions such as unoccupied warranties are not too onerous.

 

We are also able to offer property insurance for DHSS and Student Let properties.

 

Standard policy cover can include:

 

• Buildings including Accidental Damage
• Loss of Rent
• Alternative Accommodation costs
• Damage to internal and external fixed glass
• Damage to Sanitary Ware - £2,500 sum insured
• Unauthorised Use of Electricity and Gas
• Trace and Access
• Theft of Keys and Lock Replacement
• Landlords Money on premises
• Property Owners Liability - £2,000,000 Limit of Indemnity
• Index Linking
• Commercial Legal Expenses

 

Optional extensions can include:

 

• Day One uplift on sums  insured
• Landlords Contents including communal areas
• Subsidence
• Loss of Rent for commercial properties
• Employers Liability - £10,000,000 Limit of Indemnity
• Terrorism

Residential & Commercial Property Owners

Construction Commercial Combined Farm & Estate Fleet & Haulage Hotel Guest House B&B Leisure and Tourism Liability Marine Trade Marine Transit & Cargo Motor Trade Office & Surgery Professional Liability Property Owners Pub & Bar & Restaurant Shop & Retail Tradesman Liability Commercial Legal Expenses