Niche property non-standard

Property & Commercial

Up to £10m MD/BI per UK location as standard, ability to write up to £72.5m under the same policy.

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:

  • Unoccupied Buildings (all types)
  • HMOs / DSS / Students / Asylum Seekers
  • Non Standard Construction (excluding thatched properties)
  • Holiday Homes
  • Multi Tenure
  • Listed Buildings
  • Large industrial buildings with Composite Panels
  • Food Risks including deep fat frying
  • Woodworking exposures

Submit your risk online

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

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Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

Key documents

Policy wording (Unoccupied)

Policy wording (Occupied)

Key benefits

Up to £10M MD/BI per UK location as standard, ability to write up to £72.5M under the same policy

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)

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