Property Owners Insurance / Commercial Insurance / Additional Coverage
Property Owners Insurance
With the increase of government initiatives and regulations, Property Owners’ risks and liabilities are expanding. Estate Insurance Group can assess your needs and advise you on the coverage you need. We will even travel abroad to advise you on your international property’s insurance needs. Where additional coverage is required, we can include it in your main cover or we can provide for it separately. We understand the need for clarity and are therefore able to produce individual certificates and invoices for each tenant. For the property owner,we will also produce spreadsheets demonstrating the insurance breakdown allowing for easier calculation for the service charge. Our quarterly renewal system makes the process easier and at times more lucrative for you. Coverage and premiums are subject to individual profiles but we believe our programme offers you a value few other brokers can match.
We provide the following types of coverage:
Contents Latent Defects Legal Expenses and Indemnity Loss of Rent/Income Engineering Insurance Public Liability Unoccupied Buildings Service Charge Terrorism
Property Owner Divisions:
Commercial:	Residential:
Shopping Centres	DSS
Offices	Professional Tenants
Industrial	Refugees
Hotels	Students
Retail	Holiday Home Lets
Warehouses/Sheds	Unoccupied
Commercial Insurance
Industrial SME Combined Insurance is a specially designed policy for a broad range of small- and medium-sized businesses with a turnover of between £1m and £50m. The following are examples of what this policy covers:
Profit loss due to business interruption Company vehicles and their contents whilst in transit Deterioration of stock Personal accident/assault
Combined Liability Insurance is available to a diverse clientele. From Contractors to Solicitors, with local or multi-national exposure, we can arrange for:
Employer Liability Insurance    Limit of indemnity—£10m any one occurrence Public Liability Insurance    Limit of indemnity—£10m any one occurrence Products Liability    Limit of indemnity—£10m for the insured period
Professional Indemnity is available for all professionals who give advice for a fee. We can arrange for:
Limits between £1m and £10m Coverage extensions    Libel and Slander    Loss of Documents    Breach of Copyright    Confidentiality
Directors and Officers (D&O) Liability provides coverage for the growing threat of personal litigation. Indiscriminate of company size and personal culpability, actions may be brought against directors and officers with devastating consequences. It is for this reason that we work to deliver an insurance that caters to your individual needs. Features may include:
Limits between £1m and £10m Legal action cover for personal liabilities Corporate reimbursement
Additional Coverage
Contract Works Insurance provides coverage for works on building sites and for the losses that might occur including Theft, Structural Damage and Public Liability.
Engineering Insurance is a specialised coverage addressing the needs of Statutory Plant & Machinery such as inspection and breakdown cover.
Legal Expense covers legal awards and defence costs arising from contractual disputes.
Legal Indemnity provides cover against claims arising from problems affecting title use or development of land.
Personal Accident & Group Travel provides coverage for companies’ business and holiday travel needs.
Motor Fleet Insurance covers for private, commercial or haulage vehicles travelling within the UK or abroad.
Office Combined Policy coverage includes comprehensive insurance for all your business needs including business interruption, public and employer’s liability.
Computer Insurance provides coverage for the unexpected as well as the usual technical difficulties including computer breakdown and theft.
Credit Insurance is a specific coverage addressing the possibility of financial loss due to the insolvency of third party suppliers.
Fidelity Insurance covers a business for loss arising out of employee dishonesty such as theft and fraudulent action.
High Net-Worth Household Insurance is an innovative and flexible home insurance designed for affluent individuals with substantial assets.