Insurance for Heritage and other listed Properties

From listed domestic homes, country pubs to the grandeur of stately homes, castles and world heritage sites - the heritage, historic and listed building market is so diverse and specialist that it requires a specialist insurer who understands the unique complexities of the market and can provide a specialist product, supported by dedicated value added services.

Rowlands & Hames have teamed up with Ecclesiastical Insurance, specialists in the provision of insurance of heritage trades, locations, monuments and organisations.

In terms of market size, there are approximately 168,000 commercial listed buildings in England alone, around 20,000 additionally in Scotland Wales and Northern Ireland - but not all heritage and historic buildings are listed. Using listed figures and government figures as a guide, it is estimated there are circa 450,000 commercial and public heritage buildings in the UK, and at least 100,000 public heritage buildings.

Thousands of businesses are run from heritage properties - there are heritage buildings in every county.

In addition there are 2,500 museums and galleries, 18,717 monuments, 9,374 conservation areas and 1,587 registered parks and gardens.

Our relationship with Ecclesiastical Insurance allows us to accommodate almost all forms of heritage risks:

• Eating and drinking establishments in heritage properties
• Inns, hotels, guest houses based in heritage properties
• Retail and offices
• Historic houses and stately homes open to the public or with conference facilities
• Castles and forts
• Visitor/heritage centres
• Village, comunity and town halls
• Museums, theatres, art galleries, libraries
• Monuments, statues, follies
• Sports stadia
• Individual historic barns and tithebarns
• Roman baths/villas
• Model villages
• Cabes, mining works (museum risks only), gorges
• Lighthouses (land-based), naval dockyards open to the public, inland waterways (property only) and canal/railway preservation (property only), mills and windmills
• Natural history and wildlife preservation trusts
• Social, retail and leisure (excluding chains)

Ecclesiastical Heritage Summary of Cover

• Ecclesiastical Heritage Summary of Cover including Household
• Ecclesiastical Heritage Key Benefits
• Ecclesiastical Heritage Target Business
• Ecclesiastical Heritage Added Services
• Ecclesiastical Heritage Proposal Form

Why choose Ecclesiastical?

• Research by Ecclesiastical's Survey & Risk Services Team showed that only 28% of listed properties are correctly insured, with 17% significantly over-insured and a massive 55% were under-insured - get the right valuation from Ecclesiastical's expert team without additional charge (subject to eligibility).
• Ecclesiastical has the capacity to write the largest risks and the smallest – from St Paul’s Cathedral to St Paul’s Café.
• Saving a heritage building is a long and slow process. Ecclesiastical has years of experience working with English Heritage and local authorities to ensure repairs are completed sympathetically. One extreme example of its commitment to sympathetic restoration is when it negotiated to reopen a quarry to obtain an authentic match of the appropriate stone for a partial loss.
• It teamed up with specially selected affinity providers to ensure that its customers are able to make the reinstatement process run as smoothly and efficiently as possible. Through its specially selected affinity providers, customers can get further discounts on construction management services, legal services, storage of records and much more.

Ecclesiastical's Heritage Commercial insurance is suitable for a wide range of businesses and it will positively consider any heritage, historic or listed building risk – from country pubs and inns to hotels, offices, stately homes, castles and forts. It’s not just insurance for heritage property or insurance for listed buildings – it’s more than that. It considers locations, monuments, non-listed properties and businesses which share the extra dimension of being based in and responsible for a heritage property, and the associated implications that come with it.

Ecclesiastical's Heritage Product achieved Winner of the 2007 British Insurance Awards.

Please contact our Listed Building specialist:

CORPORATE

Gary Baxter DipCII, Corporate Broker
Direct Dial: 01253 598957
Email: gary@rowlands-hames.co.uk