Niche property non-standard

Property & Commercial

The ability to cater for large sums insured including excess of loss, backed by A-rated capacity.

Summary

Our Niche Property cover is a specialist product backed by Lloyd’s and London Market Insurers to cater for a wide range of Properties including:

  • Cladding issues, including high-rise properties
  • Commercial buildings with non-approved composite panels, including EPS
  • Food industry risks, including cooking with deep fat frying and smoking
  • Government contract risks, such as properties for asylum seeker accommodation
  • Lack of fire breaks and compartmentation
  • Listed buildings with special requirements
  • Operational risks with non-approved composite panels, including EPS
  • Timber cladding and timber balconies
  • Unoccupied and multi-tenure buildings (including converted mills)
  • Woodworking and chemical risks

First loss and/or quota share/excess layer options may be considered.

Submit your risk online

Submit details of your risk directly to our underwriters for priority review.

Access broker portal

Coverage options

First Loss

Secure coverage up to a specific limit

Full Value

Comprehensive coverage for total peace of mind.

XOL (Excess of Loss)

Layers to achieve full value placement

Co-insured

Lead or follow lines to provide cross-market solutions

Key documents

Policy wording

Product Oversight & Governance

Claims

Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Key benefits

Backed by A-rated capacity with the ability to cater for large sums insured including XOL.

Property Owners Liability at £2M or £5M as standard (higher limits considered on request)

Different cover options available for Unoccupied Risks

Ability to submit risk information online via our Broker Portal

Features

  • Property Damage – Buildings & Contents
  • Property Owners Liability
  • Specially negotiated rates for risk consultancy services via trusted partner 4Sight Risk Management and building/valuation services

Additional cover

  • Employers Liability
  • Terrorism
  • Legal Expenses

Target Business

Non standard but not sub standard risks including; composite panels, Food production, Cold stores, Unoccupied Buildings (all types), Multi Tenure, Listed Building, Non-standard Construction (excluding thatched properties)
Access our knowledgeable underwriters directly. Simply click the link to access the teams contact details.

Request a call back

Simply enter your details below and a member of the team will be in contact with you.

Please note, we are only permitted to deal with Insurance Brokers. If you are a customer, please contact your Insurance Broker for advice and information regarding your Insurance cover.