Niche Property - Non Standard

Niche Property - Non Standard

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

How to submit a risk

Contact one of our Underwriters directly:

Alan Spivey
Divisional Director


Simon Bell

Submit risk information via our Broker Portal

Log in or request access.

Key Benefits


    Up to £10,000,000 MD/BI per UK location as standard, ability to write up to £72,500,000 under the same policy


  Property Owners Liability at £2,000,000 or £5,000,000 as standard (higher limits considered on request)



Different cover options available for Unoccupied Risks ranging from

  • Fire, lighting, aircraft and explosion ('FLEA' /restricted perils)
  • Full 'All Risks' cover


  Ability to submit risk information online via our Broker Portal


  Specially negotiated rates for risk consultancy services via trusted partner 4Sight Risk Management and building /valuation services


Target Business

  • Commercial and Residential
  • Properties in pre-sale and/or purchased at Auction
  • Unoccupied
  • Food Processing risks
  • Risks falling outside the standard industry appetite e.g. composite panels, multi tenure, listed building etc.


Why Touchstone Underwriting

  • Cover to suit the company size
  • Options to build up bespoke limits
  • Quick and easy to obtain a quote
  • Additional benefits such as legal assistance, health & safety advice, tax advice and stress counselling, free of charge
  • Touchstone Underwriting are a long established, fully regulated specialist MGA
  • A dedicated broker support team, on call when you need them
  • Our underwriters provide a quick, efficient and friendly service
  • No administration or documentation fees
  • Fast and efficient claims service