UK Commercial Property

Our Commercial Property Insurance team insures physical assets and business interruption and incidental employers' and public liability.

Our strength lies in our ability to work closely with our brokers and clients, using strong interpersonal skills, to create client-focused innovation solutions for risk transfer. Our clients are based in the United Kingdom and Ireland and we insure assets and business interruption risks throughout the European Economic Community, with incidental exposures elsewhere in the world, but excluding the US.

We work alongside brokers and their clients throughout the UK who desire long-lasting and mutually beneficial partnerships, built on a foundation of strong corporate and personal relationships.

Our telephone-based 24/7 claims service is supported by approved contractors with direct billing to us to ensure that routine claims are dealt with quickly and easily.  Loss adjusters can be nominated to handle larger, more complex claims so the framework to manage any size of loss is known and in place, ready to be called upon, right from the outset.

Our products include:

Asset

A property and liability package policy specifically designed for property investors/real estate where the building is occupied by a third party.

The property element of the cover is widely underwritten on a full reinstatement basis insuring against all risks of physical loss or damage. Loss of rental income is protected generally for a period of up to a three years following damage.

Legal liability for injury to third parties or damage to third party property arising out of the ownership of property.

Our focus is on portfolios of property and large single investment properties in the following sectors

• Commercial - office blocks, shopping malls, retail parks and logistics
• Residential - purpose built apartments
• Investment trust portfolios

Business

A property policy with the ability to include employers', public and products liability.

The property cover can be written on a full reinstatement, first loss or excess of loss basis, providing protection either on named perils or all risks. Business interruption may be protected for periods of up to five years. Ancillary protection for loss of money, computer breakdown and loss of license can also be provided.

Legal liability for injury to employees or third parties or damage to third party property arising in connection with the business, as well as legal liability arising out of defective products supplied by the insured.

Our focus is on businesses that are asset rich, modern and progressive and practice risk management and generally will be in the following sectors:

• Manufacturing
• Retail/Services/Leisure
• Food

Community

A property policy for the public sector.

The property cover is generally written on a full reinstatement basis, although first and excess of loss basis are also available. Protection is available on either named perils or on all risks. Business interruption may be protected for periods of up to five years. Ancillary protection for loss of money, fidelity guarantee, contract works, and computer breakdown can also be provided.

Clients will emanate largely from:

• Local government, including police/fire authorities
• Operational risks of public finance initiatives
• Educational institutions

For more information about UK Commercial Property Insurance Public Sector, download this informative flyer.

All within the United Kingdom.

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