bspoke property owners

bspoke property owners.

empowered underwriting.

DISCOVER THE EXPERTISE BEHIND OUR PROPERTY PRODUCTS

With over two decades of experience in the property insurance sector, we’ve gained valuable insights into what our broker partners and their clients truly require. Listening actively to our broker partners has been crucial in shaping our services and products. This commitment to understanding your needs is embedded in the DNA of our property team.

Our dedicated team is here to help you navigate the complexities of the property insurance market effectively. By partnering with Bspoke Property Owners, you’ll have access to a wealth of resources, expertise, and support that can help your business to thrive.

document downloads.

Our latest documents can be found below.

Policy Documents

Platinum Policy Wording

IPID – Platinum

Gold Policy Wording

IPID – Gold

Bspoke Private Clients Premier Home Insurance

Privacy Policy

Customer Information

Broker Submission Form

Fair Value Assessments

Privacy Policy

award winning broker service.

We maintain control of the underwriting process,
which means you’ll receive quick decisions and responses to your enquiries. In today’s market, this agility is crucial – and that’s where our award-winning broker service shines. We understand that to seize market opportunities, you need a partner who prioritises collaboration and support.

our products.

Standard Occupied

STANDARD OCCUPIED COMMERCIAL & RESIDENTIAL

Offering our widest range of cover
£15,000,000 limit (solutions up to £40m TSI for your larger clients available)
Target Market
- Commercial Retail Units
- Offices
- Professional Tenants
- DSS (Landlord / Tenant)
- Employed

Minimum Premium – £400.00

PRODUCT BENEFITS

All Risks Policy
Malicious Damage by Tenant Up to the Sums Insured
Day one uplift 35%
Landlords Contents – £10,000
Loss of Rent – 20% of the BSI
Unoccupied Period – 60 days for residential, 30 days for commercial

Trace and Access up to £25,000

EXCESS

Residential £350, increasing to £500 for Escape of water
Commercial £500
Subsidence £1,000 for residential, £2,500 for commercial
Property Owners Liability £500

Specialist Occupied

SPECIALIST OCCUPIED COMMERCIAL & RESIDENTIAL

£15,000,000 limit (solutions up to £40m TSI for your larger clients available)
Target Market:
- Complex commercial premises with multiple trades available. For Example, Manufacturing, Warehouses and Storage
- Council Tenants, HMOs, Students, Holiday Homes and Airbnb

Specialist Unoccupied

SPECIALIST UNOCCUPIED COMMERCIAL & RESIDENTIAL

£10,000,000 limit
Providing solutions to empty premises with various levels of cover to meet your client needs

Let Property

IDEAL FOR PROFESIONAL LANDLORDS BUY-TO-LET LANDLORDS AND ACCIDENTAL LANDLORDS

KEY COVERS

Buildings – Up to a total sum insured of £750,000 per location
Contents – Based on the sum insured, up to a total of £50,000 per location
Accidental damage cover is available for working or retired tenants
Loss of Rent – 20% of the sum insured for a maximum period of 12 months as standard, with the option to increase term to 24 months, and or loss of rent figure to 30%
Public Liability – £2,000,000
Legal Expenses
Loss of Metered water – £750
Trace and Access – £5,000

OPTIONAL COVER

Legal expenses
Introduction to home emergency cover provider

meet the team.

leadership team

Wayne Tonge
Managing Director
E: [email protected]

Kieran Molloy
Underwriting Manager
E: [email protected]

new business

Emilia Amoroso
Development Underwriter
E: [email protected]

Libby Roberts
Development Underwriter
E: [email protected]

Dane Cassidy
Development Underwriter
E: [email protected]

Nathan Lloyd
Development Underwriter
E: [email protected]

existing business

Hayley Scott-Johnson
Commercial Underwriter
E: [email protected]

Matt Bullen
Existing Business Underwriter
E: [email protected]

Gillian Stewart
Existing Business Underwriter
E: [email protected]

Doug Logan
Existing Business Underwriter
E: [email protected]

“We deal with Bspoke Property Owners daily, for both New Business and Existing cases. We find Lauren to be very professional, efficient and easy to deal with. Lauren goes above and beyond dealing with enquiries always assisting to secure the business. Lauren actions our enquiries in a timely manner. We find the premiums are always competitive and she will always do her best to tailor the quotes to suit the clients needs.”

NFP | An AON Company

“Insurance as it should be; it’s been an absolute pleasure dealing with Bspoke. Such a varied array of products available to help us protect our clients. Particular shout out to Lauren, extremely knowledgeable and quick to respond with a ‘can do’ attitude which is sadly lacking in the industry at the moment. Couldn’t recommend more highly”

Spencer Hayes

“The service from Bspoke has been amazing. Your team has always been responsive, helpful, and super accommodating, especially with those tricky risks. This level of attentiveness and support has made a huge difference for us. Your solutions for property owners have been particularly impressive. Thanks again for all the support and for making our experience with Bspoke so positive. We really enjoy working with you.”

Yutree

“Having recently set up an agency with BSpoke I was keen to see what they could deliver and I was not disappointed! Happy to discuss risks over the phone and work with me to provide solutions for my clients. Very refreshing in such a challenging market!”

David Haskolls

“Bspoke Online has streamlined one of the most time-consuming aspects of our day-to-day operations, allowing us to focus more on servicing our clients and less on administrative overhead.”

Reece Mackie | Exchequer Risk Management

Wayne Tonge.

Managing Director

“At Bspoke Property Owners, we pride ourselves on being easy to do business with. Our experienced underwriting team understands the needs of brokers and provides quick, agile decisions through direct underwriting control. We’re committed to helping our broker partners seize opportunities and navigate the complexities of the property insurance market with confidence, backed by our outstanding service and expert support.”