Commercial insurance for management work and property.
We seek insurance for the services you provide, the money you handle, and the property you need to cover. We compare the proposals with your agreements and explain what each policy includes.
Professional liability
We seek professional liability cover for your management services and check the activities included in each quote.
See how we assess this cover →Theft & payment fraudCommercial crime
Crime insurance for specified theft and fraud losses, with close attention to money you hold for property owners.
See how we assess this cover →Insured buildings & contentsCommercial property
Commercial property insurance for your buildings and other insured property, with values and occupancy checked before we seek terms.
See how we assess this cover →Your business may need other coverage beyond these policies. We identify those needs from the operations and contracts you describe, and explain the limits and exclusions offered for the account.
Three policies, three different questions
These lines are written to answer separate questions about the same business. A property policy is concerned with insured damage to the building and, where the terms provide it, the income that damage interrupts. A crime policy is concerned with money and property taken, which can include funds you hold for an owner if the wording extends that far. A professional liability policy is concerned with the management service itself, where a decision or an omission is alleged to have caused somebody a loss.
Rent collected into an operating account, a contractor paid on a fraudulent instruction, or a repair decision disputed afterwards may each fall to a different section, and each is subject to that section’s definitions, conditions and exclusions. Whether any of them responds depends on the facts and the wording actually issued, which is why we compare the three together against your agreements rather than pricing them separately.
