Product

Niche property cover

By September 16, 2025No Comments
Touchstone Niche property

Our Niche Property specialist product simplifies underwriting high-risk properties, so you can confidently serve clients with unique assets.

We cover property types not usually served by traditional markets, including:

  • Cladding issues, including high rise properties
  • Lack of fire breaks
  • Compartmentation
  • Timber clad and timber balconies
  • Timer framed
  • Unoccupied properties
  • Multi tenure buildings
  • Listed buildings with specialised requirements
  • Industrial buildings with non-approved composite panels, including EPS
  • Food risks with non-approved composite panels, including EPS
  • Woodworking exposures
Offering flexible coverage options for every scenario
  1. First Loss: Specific coverage for primary risks.
  2. Full Value: Comprehensive coverage for total peace of mind.
  3. XOL (Excess of Loss): Tailored solutions for unique coverage needs.
  4. Follow Line or Lead Co-Insurance
Here is a handful of risks we have recently secured
Description
Modern block of 57 flats and other amenities. Cladding including XPS polystyrene panels
Conversion & storage of tissue paper products (kitchen roll; toilet roll). Brick/block clad with metal composite panels to roof and walls
Modern block of 54 flats and other amenities. The external façade is predominantly single skin brick/blockwork attached to a metal frame with mineral wool quilted against plaster board substrate, PIR insulation panels and 1mm patina copper sheets mounted on 20mm plywood
Processing, portioning & packing chicken; distributing pre-prepared/packaged red meat
Unoccupied Grade II listed building
Purpose built hotel with 8 storeys and 150 rooms. Hotel is solely occupied by Asylum Seekers since 14th November and have block booked all rooms.
Unoccupied Church built in 1922 (Grade 2 listed)
Occupied Residential (Grade 2 Listed)

 

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Contact our underwriters directly to discuss your client’s risk or to send in your presentation.

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