Products & Covers

Listed Buildings.

Specialist insurance for listed and heritage properties, arranged to reflect the true cost of repair, restoration, and compliance.

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Benefits

Insurance That Reflects the True Cost of Compliant Repair and Restoration.

Listed buildings present unique insurance challenges that standard policies are rarely designed to address. The cost of restoring a listed property following damage can be significantly higher than a standard reinstatement, given the requirements to use traditional materials, specialist craftspeople, and methods approved by conservation authorities. We arrange specialist cover through insurers who understand the complexities of historic buildings, ensuring that your policy responds appropriately to the true cost of compliant repair, without leaving you exposed to a funding shortfall at the point of claim.

Typical cover can include:

Buildings cover

Reinstatement cover arranged specifically for listed and heritage structures, reflecting the true cost of compliant repair.

Traditional Materials and Specialist Labour

Protection for the use of period-appropriate materials, specialist craftspeople, and conservation-approved methods.

Contents and Collections

Cover for contents and collections arranged as part of the wider listed property insurance programme.

UK - Collectors of art, jewellery, antiques, wine, and other valuables

Outbuildings and Estate Infrastructure

Protection for ancillary structures, outbuildings, and estate infrastructure within the property boundary.

Alternative Accommodation

Enhanced benefit for alternative accommodation during extended repair and restoration periods.

UK - Boutique and independent accommodation providers@2x

Liability cover

Protection for third-party liability arising from visitors, events, and domestic arrangements at the property.

UK - Fire door installation and inspection firms

Unoccupancy, Renovation, and Change of Use

Cover maintained during periods of unoccupancy, active renovation works, or transition between uses.

UK - Distressed and vacant property risk@2x

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:

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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.

All covers are subject to individual insurer terms, conditions, and underwriting criteria. The above represents a summary of the types of cover that may be available and does not constitute a policy document or insurance advice.