Insurance for commercial buildings, portfolios, blocks, mixed-use property and unusual construction across the UK.
Property insurance can fail at the details: sums insured, construction, occupation, unoccupancy, valuations and policy conditions. We build a clear presentation of the asset and its income exposure before approaching the market.
A property schedule is only useful when the data behind every location is accurate.
Availability and scope depend on insurer acceptance and the terms offered for your business.
Cover based on declared values, construction, occupation and the perils accepted by the insurer.
The indemnity period and sum insured should reflect a realistic recovery and reinstatement timeline.
Protection for covered third-party injury or damage allegations connected with ownership of the property.
Optional covers can be considered according to the property, tenancy and management arrangements.
It should be based on an appropriate reinstatement assessment, allowing for demolition, professional fees and other relevant costs — not simply market value.
Often yes, subject to insurer acceptance and conditions concerning inspections, utilities, security and works.
A portfolio can often be arranged under one policy, but each location still needs accurate construction, occupation, sums insured and claims information.
Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.