Property on street
Property on street

Risk advice and insurance for

Property

I specialise in providing risk advice & insurance solutions for the real estate sector including commercial & residential property owners, property investors, managing agents & specialist property consultants.

To find out if I can help you insure your property business, use my super simple online booking system to set up a meeting with me.

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Protecting your property assets and rental income

Owning and managing property, whether it be commercial, residential let, vacant, holiday let property or even land, comes with a myriad of risks that need to be understood, managed and insured.

Threats can emerge from many different sources including human behaviour, structural problems, contractor negligence, electrical faults, seasonal weather events, terrorism, tenant disputes or regulatory obligations.

Specialist commercial property insurance solutions are designed to protect your property and land portfolio against a large number of risks including property damage, loss of rent and service charge income, costs of alternative accommodation, injury to members of the public, damage to third party property, employers liability, legal expenses, rent default, latent defects, machinery breakdown and plant inspection obligations.

You may also need to comply with contractual obligations owed to third parties, including the governing authorities, managing agents, contractors, tenants and lenders. It is not easy ensuring that everything is covered off properly, but an insurance broker that specialises in commercial property can help.

As ever, my most important goal is to provide the risk advice and insurance solutions that each of my clients demands and needs. If you have something you’d like to discuss, please get in touch or book a meeting with me.

Insurance for the Property Industry

I can help commercial and residential property owners, investors and managing agents with…

Your property is subject to many risks, including social and catastrophe perils, structural issues and even disputes with tenants. By purchasing a commercial property insurance policy, you can make sure that you are protected against these risks.

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Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase unoccupied property insurance, also known as unoccupied building insurance to protect against risks.

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No matter your business’ size, industry or location, the threat of a fire still looms. It only takes a few seconds and a few ingredients for a fire to ignite—and another instant for it to engulf your business. You cannot eliminate the possibility of fires; regardless of fire prevention strategies you invest in, the threat will persist. Bolster your fire prevention strategies and protect your business by purchasing robust cover as part of your commercial property insurance policy.

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If a fire causes the facility to be temporarily unusable, what would you do next? Would your business be able to pay utilities, wages or any other standing charges without income? It could take months before the damaged property is rebuilt and the stock, machinery and equipment are repaired or replaced. Ideally, you would move to a temporary location while your permanent place of business is being repaired. Yet, traditional property insurance does not cover this move or a loss of income when a business must temporarily close. This setback can be minimised by adding business interruption (BI) insurance to your property insurance policy.

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Terrorism is not new, but the frequency, audacity and geographical reach of terrorist attacks have noticeably increased in recent years. Understandably, business owners, risk managers and insurers are concerned with mitigating the risks posed by increasingly prevalent, damaging and random terrorist attacks. Because losses, costs, damages and expenses from terrorism are typically excluded from standard commercial insurance policies, terrorism cover must either be added on as an extension or purchased as a stand-alone policy. By adding terrorism cover to your policies, you can protect your business from this evergrowing set of hazards.

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The only way to effectively protect the assets of your business is to carry adequate insurance cover. Liability insurance protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.

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Construction projects can be complicated undertakings, and if any problems were to arise before the project is completed, things can become difficult to resolve. Imagine you are working on the framework of a two-storey detached home. One night, a devastating summer storm rolls in and relentlessly batters the building site, effectively undoing several weeks of progress.

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Most people think that only businesses in certain industries such as waste management or chemicals manufacturing need environmental impairment liability. However, all businesses need to assess their environmental liability risks and review how their activities could affect the surrounding environment. Natural or man-made pollutants can be released through many different processes, and they take several different forms—including gases, powders and liquids. Businesses may not even be aware that they are gradually poisoning the surrounding environment by leaking pollutants.

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So, you’ve decided to go green by buying or renting a BREEAM-certified building for your business. In addition to a reputational boost for taking strides to help the environment, you will likely also be saving on heating and electricity costs. The next step is to look at your insurance policies and make sure your investment is protected as well as that you are covered for the perils associated with green properties and buildings.

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Warehouses are the vital links between businesses and their customers. Without the support of proper warehousing and distribution services, businesses’ already tenuous supply chains can snap under the pressure. This could result in products not being able to find their way to customers and businesses subsequently collapsing… But purchasing a comprehensive warehousing and distribution insurance policy can protect against these risks and more.

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A residents’ association (RA) shoulders not only the well-being of a community but also many of its inherent risks. Because each association differs in purpose and objectives (some may represent general members’ interests, others may only respond to specific issues such as neighbourhood crime), it is imperative to understand the details of your association’s cover and shape it to meet your association’s needs.

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As an employer, you need to ensure that your employees have a safe working environment, and part of that means conducting inspections on and maintaining work equipment. The purpose of an inspection is to identify whether work equipment can be operated, adjusted and maintained safely and to detect and remedy any issues before it results in a health and safety risk.

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Because your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and can easily sustain damage that causes breakdowns. The losses sustained will continue to increase with the rise of just-in-time manufacturing, Internet marketing and improved supply chain management. Problems with your equipment can be extremely risky if you are not properly insured. Equipment Breakdown Insurance will cover you in the event of damage or a breakdown.

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Despite proper risk management practices, even the most successful and prepared organisations can find themselves suffering from the consequences of a legal dispute. And dealing with litigation problems certainly isn’t cheap—whether it be hefty fines and legal representation costs or excess time spent away from the office, such disputes can leave businesses with a broken bank and a tarnished reputation. Fortunately, insurance policies such as commercial legal expenses cover can help protect your organisation in these circumstances and set you on the road to recovery.

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In today’s business climate of corporate transparency and accountability, an organisation’s officers and directors face a myriad of employment-related exposures. Claims can come from many sources, employees, regulators, shareholders, creditors, customers, etc. Ever-changing regulations, increased employee awareness of employment rights as well as the rise of shareholder activism means directors are more frequently at risk, translating to rising claims and escalating settlement costs.

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As technology becomes increasingly important for successful business operations, the value of a strong cyber-liability insurance policy will only continue to grow. The continued rise in information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. Regulations such as the General Data Protection Regulation (GDPR) must also be considered, because a loss of sensitive personal information may subject you to fines and sanctions from the Information Commissioner. In an age where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers, protecting yourself from cyber-liabilities is just as important as some of the more traditional exposures businesses account for in their general commercial liability policies.

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The UK is developing as an international merger and acquisition (M&A) hub for organisations across the globe. But while the process of buying or selling a business can be an exciting time filled with new opportunities, M&A deals are no simple task. For both the buyer and the seller, there are a variety of key risks to consider.

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