For whom is this policy designed?

Estate Select is for those responsible for managing and maintaining common areas within a residential estate or on a private road.

Typically, a policyholder would be a director of a residents’ association or a property management company, or a property owner or developer.

What cover does it offer?

The core cover is Public Liability, which is indispensable. You can also choose to include cover for employers’ liability, material damage to structures, breakdown and inspection of plant, removal of damaged trees and/or Directors’ liability (standalone policy).

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How is our policy different?

Estate Select offers a variety of important covers, but it’s up to you to tailor the policy as required. If the common areas extend to a small patch of grass and the concern is only that the postman trips on a tree root, perhaps you’ll want Public Liability on its own; if it’s a large development with communal facilities, you might opt for the whole package.

For whom is this policy designed?

Property Select is for those representing a residents’ association or management company, as well as for private landlords and other property owners. It is designed to cover property which is occupied by long-term leaseholders (essentially owner-occupied) or tenanted by those engaged in short-hold tenancy agreements.

What cover does it offer?

You can elect to cover the buildings and/or contents. Automatically included is cover for Public Liability and, depending on the risk, Employers’ Liability. But you can include cover for Equipment Breakdown and Loss of Rent too.

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How is our policy different?

Our Property Select Policy provides extensive cover and favourable terms and conditions, but at a competitive premium. And the key advantage is flexible underwriting: because we have the resources to carefully consider each risk, nothing is dismissed out of hand. We take time to look at the facts, with a view to offering terms when others won’t.

For whom is this policy designed?

Home Select is ideal for homeowners whose properties are non-standard in some respect. It allows the flexibility to properly consider and appropriately underwrite unusual household risks. It is particularly suited to houses built using alternative, sustainable methods; other properties of non-standard construction; church manses, and the homes of church members. But it’s also for any homeowner who is looking for a high level of cover and who wants their insurance to be based on a thoughtful assessment of their property.

What cover does it offer?

Apart from the broad cover you would expect from a quality home insurance product, Home Select includes additional protection for assets such as solar panels and wind turbines. Cover for business and ministry equipment; contents temporarily removed from the home, and charity money is also included as standard. In addition, it safeguards your liability whilst engaged in voluntary work in connection with your church or the community.

How is our policy different?

Our policy offers broad cover and policy conditions which are less onerous than those of most home insurance contracts. But it’s our approach that really sets apart our offering: We are glad to spend time and effort gaining a proper understanding of your property so that we can offer insurance terms which properly reflect the risk presented. Too many people struggle to get cover only because insurance companies are unwilling to understand their homes and to assess the genuine likelihood of a claim. We look at the facts.

Specialists

In view of the vast and growing number of alternative construction techniques and green technologies, our claim to be specialists in Eco Insurance is based less on how much we think we know and more on our commitment to understanding more.

We take time to learn about our clients and their activities, giving proper consideration to the risks they present. Only then do we approach insurers to negotiate best possible policy terms: the right cover at a sensible premium.

Receptive underwriters

When presenting risks to insurers we enter into a dialogue with professional underwriters sympathetic to the needs of Eco Insurance clients. Rather than just submitting a list of facts about the property or building project, we give them background information of the technologies and techniques involved and our opinions of the same.

So when it comes to negotiating terms, our view about the risks carries particular weight, allowing us to offer a solution where others can’t. It also means we can provide more favourable terms.

Areas of expertise

• Eco Construction Insurance: protection for green buildings and eco developments in the course of erection, including all related covers.
• Eco Contractors’ Insurance: protection for eco builders and tradesmen specialising in the green building sector.
• Eco Building Insurance: for commercial and residential property constructed using sustainable methods and employing alternative technologies.
• Eco Home Insurance: for buildings and/or contents of those living in an environment conscious house.
• Professional Indemnity: protection for the professional risks attached to those involved in the Eco Building Industry, such as architects, builders and assessors.
• Commercial contents and liabilities: cover for businesses occupying eco buildings of non-standard construction.