What we offer
We write UK risks with a range of cover extensions, including Buildings, Loss of Rent, Employers’ Liability (EL), Property Owners’ Liability (POL), Terrorism, and optional Legal Expenses.
But we just don’t offer real estate coverage. We eliminate bureaucracy, empowering brokers to engineer customer-centric solutions, allowing insured clients to focus on their core business and protect their assets.
Working with us means
- Same-day service and accurate quotes
- Immediate documentation to clients
- Efficient claims resolution
- Attentive, empathetic, and engaged listening
Our commitment to exceptional service is deeply rooted in our approach.
Real Estate
This product is designed to cover a range of commercial and residential properties within the UK, whether this is an individual asset, or part of a mixed property portfolio. The product offers Property Damage, Loss of Rent, Property Owners’ Liability, and Employers’ Liability as standard sections, with the option to include Terrorism cover and Legal Expenses.
Property Damage
This section covers material damage for both buildings and landlords contents, cause by each of the perils as they appear in the policy wording.
The standard perils operative are Fire, Lightning, Earthquake, Aircraft, Malicious damage, Storm, Theft, Flood, Escape of Water, Sprinkler Leakage, Impact, Accidental Damage and Subsidence.
Key features of the Property Damage section, along with some key extensions, designed to provide the most extensive cover available include:
Features
- 35% day one uplift with the ability to increase to a maximum limit of 50%
-
£25,000 landlords contents as standard with option to increase in line with sums insured
Extensions
- Contract Works covered up to a limit of £250,000
- Capital Additions
- Third Party Failure to Insure
- Fly Tipping
- Malicious Damage by Residential Tenants
- Archaeological Costs
- Subrogation Waiver
Loss of Rent
This section covers Loss of Rental income following damage to the buildings or landlords’ contents caused by an insured event under section. We will cover you for Loss of Rent, Cost of Re-letting, Business Rates and Increased Cost of working.
Key features and extensions include:
Features
- Alternative Residential Accommodation and Rent up to 33.3% limit
- 36 months Indemnity period
Extensions
- Anticipated Rent
- Loss of Attraction
- Denial of Access
- Compulsory Closure
Property Owners' Liability
This section protects against your legal liability to pay damages for accidental damage to property, accidental bodily injury to any person, wrongful arrest, detention, imprisonment or eviction of any person, malicious prosecution or invasion of the right of privacy, accidental nuisance or trespass obstruction loss of amenities or interference with any right of way light air or water occurring during the period of Insurance in connection with the business within the territorial limits.
Features
- £5,000,000 limit as standard, with ability to increase to £10,000,000
Extensions
- Indemnity to Principles
- Legionella with limit of £5,000,000
- Overseas Personal Liability
Employers' Liability
This section protects against your legal liability for bodily injury to your employees in the course of employment in connection with the business within the territorial limits.
Features
- £10,000,000 limit as standard
Extensions
- Court Attendance Costs
- Unsatisfied Court Judgements
- Work Overseas
- Cross Liabilities
