Appetite
Target markets
- Residential let properties, including blocks of flats, with tenant types
- Working professionals with or without benefits assistance
- Retirees
- Students
- Commercial let properties
- Offices and surgeries:
- Financial services – banking, insurance, accountancy
- Building services – architects, building management, surveyors
- Estate agents
- Health – doctors, chiropractors, optometrists, dentists, veterinary
- Offices and surgeries:
- Retail shops:
- Clothing (retail and hire) – babywear, bridalwear, footwear
- Grocery – bakers, butchers, fishmongers, frozen foods, greengrocer, supermarkets
- Miscellaneous - arts & crafts, beauticians, chemists, electrical goods, haberdashery, ironmonger, pet shop, post office
- Commercial:
- Ceramics, electroplaters, glass works, machinery repairs, metal workers and finishers, photography, precision engineers, tea and coffee rooms
- Retail shops:
- Unoccupied properties
- Mixed properties; offices or retail with residential above
- Mixed portfolios up to 50 properties
Limited appetite for
- Local authorities
- Housing associations
- Holiday homes
- Leisure and hospitality properties
Standard cover (and key automatic extensions)
Coverage
- Buildings and contents
- Up to £7.5m total sum insured per property
- Fire and specified perils including accidental and theft damage, including:
- Acquisitions up to £1,000,000 or extensions up to £500,000
- Residential alternative accommodation up to 36 months
- Damage from illegal use as cannabis farm, up to £50,00 any policy period
- Contract works up to £250,000
- Cost of debris removal and boarding up following damage £500,000 any policy period
- Damage by emergency services up to £10,000 any policy period
- Fly tipping clearance costs up to £10,000 any policy period
- Cost to replace keys and locks up to £500
- Cost to end unauthorised occupation of property up to £25,000 any policy period
- Cost for unauthorised use of metered utilities up to £10,000 any policy period
- Property owners’ liability
- £5m legal liability for third party injury or damage, including defence costs for:
- Consumer Protection Act
- Safety at Work Act
- Corporate Manslaughter Act
- Data Protection Act
- Defective Premises Act
- £5m legal liability for third party injury or damage, including defence costs for:
- Legal expenses
- £100,000 legal costs for:
- Statutory licence appeals
- Contract disputes for provision of goods or services
- Debt recovery for provision of goods or services
- Property protection for damage by third party to your property
- Tax protection for enquiries or VAT disputes
- Let property for tenancy disputes and repossession
- £100,000 legal costs for:
Optional cover
- Loss of rental income
- 12-, 24- or 36-months’ cover, including:
- Cost of re-letting property following damage
- Loss resulting from accidental failure of utilities
- 12-, 24- or 36-months’ cover, including:
- Employers’ liability
- £10m legal liability for injury to any employee arising from employment, including:
- Court attendance costs
- Unsatisfied court judgements
- £10m legal liability for injury to any employee arising from employment, including:
- Terrorism
- Damage to property following an Act of Terrorism, including:
- Cost of debris removal
- Loss of rental income
- Damage to property following an Act of Terrorism, including:
Questions?
Call us on 0330 0270968 or email.
Claims
We deliver on our promises
Effective resolution for customers is achieved with our highly skilled claims specialists focusing on:
- Quick decision making
- Championing your needs
- An honest approach
∗Claims examples may be based on actual cases, composites of actual cases or hypothetical claim scenarios and are provided for illustrative purposes only. Facts have been changed to protect the confidentiality of the parties. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.
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