bspoke online.

Our high-net-worth home insurance solution is for your private client customers with higher sums insured. Developed by our specialist, dedicated underwriting team, our offering is comparable to many of the leading providers and we’re confident that however complex your customer’s needs, we have the expertise to provide the most appropriate solutions and coverage.

Key features and covers include:

• New sum insured limit of £6,000,000
• All-risks worldwide cover for contents
• Property Owners, Occupiers and Domestic Employees liability cover of £10,000,000
• Ability to cede to Flood Re

For full conditions, limitations, and exclusions of cover, please see the policy wording and IPID.

Whether it’s a high value property or a collection of fine art, our products offer affluent individuals exceptional cover to protect the assets they’re most passionate about.

Key features and covers include:

• Covers main residences, buildings, contents, fine art, antiques, collectables, jewellery, watches and other valuables
• All-risks worldwide cover for contents
• Up to £10,000 garden cover
• 20% of sums insured for 60 days for new acquisitions of fine arts and antiques
• Additional covers included as standard
  • Legal expense
  • Home emergency cover

• Ability to cede to Flood Re

For full conditions, limitations, and exclusions of cover, please see the policy wording and IPID.

STANDARD OCCUPIED COMMERCIAL & RESIDENTIAL

• Offering our widest range of cover
• £15,000,000 limit
• 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

For full conditions, limitations, and exclusions of cover, please see the policy wording and IPID.

• £15,000,000 limit
• Target Market:
  • Complex commercial premises with multiple trades available. For example, Manufacturing, Warehouses and Storage
  • Council Tenants, HMOs, Students and Holiday Homes

For full conditions, limitations, and exclusions of cover, please see the policy wording and IPID.