Home Insurance (including non standard) Home Insurance (including non standard) Features Standard Cover At least £600,000 Buildings £50,000 Contents £2,000,000 Property Owners Liability £100,000 Family Legal Expenses £5,000,000 Accidents to domestic staff £750 per Pedal Cycle £300 Freezer breakdown £500 Money and Credit Cards £1,000 Property in the open £2,500 Property in Outbuildings Home Insurance (Mid/High net worth) Home Insurance (Mid/High net worth) Features Standard Cover Up to £1,500,000 Buildings Up to £250,000 Contents £2,000,000 Property Owners Liability £10,000,000 Accidents to domestic staff Pedal Cycles Freezer breakdown £1,000 Money and £5,000 Credit Cards £2,500 Property in the Open Unoccupied Property Unoccupied Property Features Standard Cover Buildings (FLEEA or Full Cover) Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Residential Let (Single Property) Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Residential Let (Multiple Properties) Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Property and Land Owners Liability Property and Land Owners Liability Features Standard Cover Industrial, commercial office or retail property Residential property Unoccupied property Farming/Leisure Land Private Land/Private Roads Development Land Commercial Property Owners Commercial Property Owners Features Standard Cover Buildings Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Commercial Combined Commercial Combined Features Standard Cover Buildings and Tenants Improvements Contents and Stock Business Interruption and Book Debts Stock in Transit Loss of Money Refrigeration Breakdown Public/Products Liability Employers’ Liability General Liability General Liability Features Standard Cover Up to £10,000,000 Public and Products Liability Up to £10,000,000 Employer’s Liability Up to £1,000,000 Environmental Impairment Liability Up to £15,000 Tools, Equipment and Stock Cover Up to £100,000 Full Legal Expenses Excess of Loss Excess of Loss Features Standard Cover Can follow most insurers primary policies Includes cover for heat, height and depth work Can include work outside of the UK Competitive premiums Contractors Contractors Features Standard Cover Employers' Liability, Public and Products Liability Contract Works Employee Tools and Persaonal Effects Plant and Equipment Legal Expenses Professional Indemnity Professional Indemnity Features Standard Cover Negligence Civil Liability Intellectual Property Loss of Documents Loss of Data Dishonesty Deflamation Breach of Duty of Care Breach of Contract Criminal Defence Costs Ombudsman referrals Retail Package Retail Package Features Standard Cover £500,000 Business interruption £5,000 Outstanding Debit Balance £2,500 Stock in Transit £4,000 Money £2,000 Frozen Food £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Loss of License £100,000 Full Legal Expenses Offices and Surgeries Offices and Surgeries Features Standard Cover Office Contents Tenants Improvements Computer Breakdown £2,000 Money £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Taxi Office Package Taxi Office Package Features Standard Cover £25,000 BI (Additional Cost of Working) £15,000 Contents including Radios £500 Money £5,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Tools of Trade Tools of Trade Features Standard Cover Portable hand held tools Power tools Electronic equipment Measuring/levelling devices Sports equipment Stock/items to be installed Commercial Legal Expenses Commercial Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Landlords Legal Expenses Landlords Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery
Home Insurance (including non standard) Home Insurance (including non standard) Features Standard Cover At least £600,000 Buildings £50,000 Contents £2,000,000 Property Owners Liability £100,000 Family Legal Expenses £5,000,000 Accidents to domestic staff £750 per Pedal Cycle £300 Freezer breakdown £500 Money and Credit Cards £1,000 Property in the open £2,500 Property in Outbuildings Home Insurance (Mid/High net worth) Home Insurance (Mid/High net worth) Features Standard Cover Up to £1,500,000 Buildings Up to £250,000 Contents £2,000,000 Property Owners Liability £10,000,000 Accidents to domestic staff Pedal Cycles Freezer breakdown £1,000 Money and £5,000 Credit Cards £2,500 Property in the Open Unoccupied Property Unoccupied Property Features Standard Cover Buildings (FLEEA or Full Cover) Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Residential Let (Single Property) Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Residential Let (Multiple Properties) Residential Let Features Standard Cover Buildings up to £3,000,000 per location Loss of Rent (20% of building SI) £5,000 landlord's contents * £5,000,000 Public Liability £100,000 Legal Expenses £5,000 Theft and Malicious Damage by tenant * *Professional/Retired occupancy only Property and Land Owners Liability Property and Land Owners Liability Features Standard Cover Industrial, commercial office or retail property Residential property Unoccupied property Farming/Leisure Land Private Land/Private Roads Development Land Commercial Property Owners Commercial Property Owners Features Standard Cover Buildings Landlords Contents Loss of Rent Property Owners Liability Employers’ Liability Commercial Combined Commercial Combined Features Standard Cover Buildings and Tenants Improvements Contents and Stock Business Interruption and Book Debts Stock in Transit Loss of Money Refrigeration Breakdown Public/Products Liability Employers’ Liability General Liability General Liability Features Standard Cover Up to £10,000,000 Public and Products Liability Up to £10,000,000 Employer’s Liability Up to £1,000,000 Environmental Impairment Liability Up to £15,000 Tools, Equipment and Stock Cover Up to £100,000 Full Legal Expenses Excess of Loss Excess of Loss Features Standard Cover Can follow most insurers primary policies Includes cover for heat, height and depth work Can include work outside of the UK Competitive premiums Contractors Contractors Features Standard Cover Employers' Liability, Public and Products Liability Contract Works Employee Tools and Persaonal Effects Plant and Equipment Legal Expenses Professional Indemnity Professional Indemnity Features Standard Cover Negligence Civil Liability Intellectual Property Loss of Documents Loss of Data Dishonesty Deflamation Breach of Duty of Care Breach of Contract Criminal Defence Costs Ombudsman referrals Retail Package Retail Package Features Standard Cover £500,000 Business interruption £5,000 Outstanding Debit Balance £2,500 Stock in Transit £4,000 Money £2,000 Frozen Food £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Loss of License £100,000 Full Legal Expenses Offices and Surgeries Offices and Surgeries Features Standard Cover Office Contents Tenants Improvements Computer Breakdown £2,000 Money £2,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Taxi Office Package Taxi Office Package Features Standard Cover £25,000 BI (Additional Cost of Working) £15,000 Contents including Radios £500 Money £5,000,000 Public Liability £10,000,000 Employers’ Liability £100,000 Full Legal Expenses Tools of Trade Tools of Trade Features Standard Cover Portable hand held tools Power tools Electronic equipment Measuring/levelling devices Sports equipment Stock/items to be installed Commercial Legal Expenses Commercial Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery Landlords Legal Expenses Landlords Legal Expenses Features Standard Cover Employment Disputes Employment Compensation Awards Employment Restrictive Covenants Tax Protection Property Legal Defence Compliance & Regulation Statutory Licence Appeals Loss Of Earnings Employees' Extra Protection Crisis Communication Contract & Debt Recovery