Specialist cover for second homes, holiday properties, and overseas residences used by you and your family.
Typical cover can include:
Buildings cover
Reinstatement or agreed-value protection for the structure of each property, wherever it is located.
Contents cover
Protection for furnishings, household goods, and personal possessions kept at the property.
Unoccupancy cover
Cover maintained during extended periods when the property is unoccupied between visits or seasons.
Escape of Water, Storm, and Flood
Protection for water damage, accidental damage, and weather-related events at each location.
Owners' Liability
Cover for third-party injury or property damage arising from visits to your holiday property.
Holiday Letting
Cover for properties that are occasionally let to third parties, subject to policy terms and conditions.
Overseas Properties
Cover for international properties, with settlements available in local currency or sterling as appropriate.
Legal Expenses and Emergency Assistance
Legal Expenses cover and access to emergency assistance services at each property location.
We’ve got you covered
Related products and covers
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Property All Risk
Protection for buildings, contents, fixtures, fittings, and operational assets.
Public and Products Liability
Cover for guest injury, illness, or third-party property damage.
Business Interruption
Protection for lost revenue following insured damage or disruption.
Employers’ Liability/Workers Injury Compensation
Cover for employee injury or illness arising from their work.
Cyber insurance
Protection against cyberattacks, data breaches, payment fraud, and system outages.
Employment Practices Liability
Protection against claims relating to workplace disputes, discrimination, or misconduct.
Specialist Restaurant and Hotel Programmes
Including insurance for hotels and tailored private insurance coverage for restaurants operating single or multiple locations.
Related Products & Covers.
Our Private Clients solutions are tailored around the assets you own, how they are used, and the risks that surround them. Typical covers we can arrange include:
