Ensure your real estate portfolio is in safe hands with our specialist team.

Rights of Light insurance provides an insurance policy against the prospect of an affected party asserting their right of light. The backbone of any rights of light insurance policy is the rights of light report which must be carried out by a specialist surveyor.

A judicial review indemnity policy provides cover for financial loss arising in the event of a judicial review of a planning or other decision of a public authority. These policies are extremely helpful if you need to start your development during the 6 week judicial review period.

Environmental Impairment Liability Insurance covers the costs of cleaning up pollution conditions if required by a third party, including a governmental agency. It can also cover bodily injury and property damage of third parties that are caused by the pollution condition. This is an important cover for developers intending on developing ‘dirty’ sites. The policies are up to 10 years and can cover the third party liabilities from the development phase to post PC.

Project Specific contract works policies or owner controlled insurance programmes (OCIP’s) provide an umbrella policy that covers the entre scheme as opposed to each contractor and sub-contractor insuring their own works packages. The main benefit of OCIPS is that there is only ever one insurer onsite, they are in the name of the developer, which makes accommodating lender requirements easier and they are non-cancellable, so if the contractor fails, the site cover does not fall away. OCIP’s can include all parties public liability, non-negligent public liability and delay in start-up cover.

Latent Defects Insurance provides a 10 or 12 year structural warranty for new builds, conversions or extensions. Cover can be extended to cover loss of rent and component failure. Latent defect insurance is usually a requirement from all residential lenders on new build homes.

Property owners insurance provide covers for property damage, loss of rent, third party liability and terrorism. We can cover residential buildings, both single family homes to large apartment blocks, commercial premises and vacant buildings, including empty listed buildings.

Professional Indemnity insurance covers the financial loss incurred by a third party as a result of negligent professional advice given. We place the PI insurance for architects, PM / QS, structural engineers, MEP consultants, property managers and investment agents

Annual Contractors insurance offers Liability and all-risks protection. They include employers liability, third party liability, non-negligent public liability, Contractors’ all-risks, which can cover maintenance periods, temporary buildings, plant and tools, hired in property and employees tools. We can also place contractor controlled insurance programmes for one off contracts that go above the maximum contract limit written into the policy