More than an insurance partner

Buildings are a property owner’s key business asset and are subject to many risks.

Whether you own a residential property, blocks of flats, office or retail or an un-occupied property, our SME business insurance specialists can provide you the right solutions.

Our SME Commercial & Residential Property Owners Insurance programmes are designed for sole traders and small business owners and offer you protection against damage to the buildings, landlord’s contents, loss of rental income and employer’s and public liability.

Our SME business insurance team will help ensure your property is covered against a wide range of potentially unexpected events, enabling you to concentrate on running your business.


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How we can help

Over the years we've worked with hundreds of property owners and property management companies with the placement of their property portfolio.

Asset Protection
Business Interruption


Corporate Business

Smarter SolutionsTM

Our processes, products and services all combine into a well structured and proven approach. We work with individuals on a one to one basis, talking, asking questions and making sure we fully understand the pressures you are facing.

Our risk solutions are smarter as a result.




Essential Business Protection

A breach of your cyber security is one of the biggest threats to your business that the 21st century has to offer!

In 2014, 81% of large corporations and 60% of small businesses were compromised, with average costs ranging from £65K to £1.5 m.*

You are particularly liable to attack if your company holds sensitive customer data, including financial information and/or relies heavily on IT to conduct its business.

Our knowledge and experience to design a tailored solution will complement your existing cover.

*Source: British Insurers Association

Management Liability Protection

As a business, directors, senior staff and employees have responsibilities that can be of a civil criminal or regulatory nature.

Regardless of fault, an action against your company or any past, present or future directors, officers or employees could incur significant legal costs to defend.

Whether public, private or non-profit, these exposures exist. Covers include:

Directors and Officers Liability

Personal liability covering the legal costs, awards and settlements for any claim or regulatory action

Employment Practices Liability

Employment claims including wrongful dismissal, discrimination and harassment, (whether from employees or third parties), including for legal costs, awards and settlements.

Commercial Legal Expenses
Designed to cover the cost of defending legal claims made against you or your business, including the appointment of legal counsel and expert witnesses.