Property Owners and Asset Insurance
|
|
- Felicia Quinn
- 5 years ago
- Views:
Transcription
1 Property Owners and Asset Insurance
2 Introduction Vantage are a broker with a great deal of experience in providing insurance services and advice for property owners and High Net Worth clients. Many such clients deal directly with us but we also work closely with trust companies and corporate service providers whose clients require a high level of attention with their insurance arrangements. We act as a trusted partner for an increasing number of leading firms, undertaking their insurance placements across the full spectrum of risk - from the most elementary to the most complex. Our prime objective is to protect the interest of Trustees and to reduce their exposure to risk for the fiduciary responsibilities they undertake. This is achieved by a close working relationship with the trust company to understand the insurance needs, obligations and exposures for the client asset insurances. This brochure presents the range of services that we offer to trust companies for their client insurance requirements. 2
3 Property Owners Insurance For many years property has provided a solid asset and investment base for offshore trusts and companies. The majority of insurance enquiries we receive from trust companies are for UK based property insurance - both residential and commercial premises. For overseas or international properties we have access to international insurers, Lloyds of London and global broker networks to place such risks. The fiduciary position and responsibility of the offshore service provider ensures it is paramount that a property portfolio has adequate insurance protection. Failure to confirm this can leave the trustees (or company directors) open to allegations of negligence should an insurance claim be refused by underwriters. Property owners insurance is often purchased purely on price, and whilst the level of premium paid is important, experience has shown that extent of cover is often overlooked. There are many areas that need to be carefully examined when insurance cover is being arranged. Vantage have a great deal of experience in this respect and are able to guide the trustees to the most cost effective and comprehensive insurance solution. Property owners risks: UK based properties - residential and commercial Overseas properties / holiday homes In-house scheme facilities Vantage operate a number of in-house schemes for UK property owners risks. Under these facilities we have full delegated authority (up to pre-agreed limits) to provide quotations and to arrange insurance coverage on a wide range of properties. For those risks that fall outside this pre-set facility (for example, increased sums insured or for certain hazardous risk exposures) we have direct access to individual underwriters within these insurance companies who are committed to providing us with an efficient and prompt response. Underwriting (i.e. pricing) such risks ourselves ensures we can provide competitive premium levels at all times. We pride ourselves in providing clear and concise quotations and presentations clearly explaining the scope of policy cover and premiums. Under these schemes we issue all policy documentation ourselves, thus ensuring we can continue to provide an excellent service to trust companies from the first point of contact through to policy issue. This ensures that management and staff do not incur the unnecessary delay, or expense, in continually chasing insurance providers for quotations or policy documentation. This facility is particularly useful, for example, when mortgagors require their interest to be noted on the policy schedule and require a copy of the policy for their own records. Unoccupied properties Building Contents Property Owners Liability Loss of Rent / Alternative Accommodation 3
4 Points to consider when arranging property insurance 1. Ensure the rebuilding costs are accurate. If this is incorrect then the property owners insurance will be subject to the Average condition in the policy and the policy holder could be faced with a reduced claim settlement and having to pay out to reinstate some of the property at their own expense. 2. Listed or heritage properties. Make sure that insurers are aware of this fact and check the sums insured. Listed properties can be particularly expensive to rebuild and the length of time involved in reconstruction can be significant. If there are tenants make sure that an adequate Loss of Rent period is insured. 3. Day One provision. Insurers will normally provide a Day One uplift (typically 15%, 25% or 30%) to provide protection against inflation. In the event of a claim the sum insured is effectively uplifted to cater for any inflation and increased rebuilding costs. Please note that the policy will still require you to ascertain and insure for an accurate building reinstatement cost at the policy inception or at the time of loss (i.e. Day One ) otherwise the Average condition may apply. 4. Ensure that the policy provides for loss of rental income if tenants occupy the premises. The selected indemnity period should represent the maximum time that it would take to rebuild the property and then to re let the premises. 5. Seek to negotiate a non-invalidation clause. Trustees can have their position prejudiced by the actions of others and the inclusion of this clause can avoid the situation of insurers treating the policy as null and void in the event of a claim if the cause of a loss is due to a tenant invalidating the policy, for example non adherence to a policy condition or warranty. Additional property insurances Contract works / contractors all risks Should a property undergo any alterations or extensions then contract works insurance should be arranged. This is a complex area and care needs to be taken to ensure that the correct responsibilities for arranging any insurance cover are identified (e.g.; sometimes it is the property owner, sometimes it is the contractor) as well as any liability insurance covers This is a specific extension under a Contract Works insurance and covers any non-negligent damage to surrounding property causes by the contractors. Latent defects This can be an important insurance cover for any property developers and provides first party insurance cover for any defects in the design or build of a property. The existence of this insurance removes the need of having to seek recourse through the courts against any negligent party (for example the architect or developer) who may be difficult to trace or may have ceased trading completely. Pollution / environmental risks UK environmental legislation imposes strict liabilities on property owners where polluted land is identified. If the original pollutant cannot be found then the responsibility will rest with the current freehold owner along with the large costs incurred for measures to be taken to remedy the pollution of the site as well as any clean-up costs for neighbouring third party sites. 4
5 Additional Insurance Covers For insurance risks other than Property Owners and which fall outside our scheme facilities we have developed access to a wide ranging network of local, national and international insurers. This extensive database of insurance providers ensures we are able to secure cover on any insurable risk or problem that you, or your clients may require. This may Home contents, personal effects & jewellery Vantage have many year s experience of arranging insurance cover for clients with high value properties and their contents. Policies can be arranged to worldwide all risks cover agreed values access to specialist valuers and restorers Fine art and antiques This can be arranged as part of a household policy or as a stand-alone cover for collections. Cover can all risks cover - either restricted to the premises (at home, a gallery or in storage) or on a worldwide basis agreed valuations transit risks new acquisitions - an automatic uplift in the sum insured for newly acquired items death of the artist extension Marine Our experience ranges from small craft up to super yachts in UK waters, the Mediterranean or on a worldwide basis. Policy cover can hull and machinery third party liability, crew liability, charterer s liability boat contents (including crew personal effects) cover for launches and jet skis crew personal accident / medical insurance Aviation We can arrange cover for private light aircraft, executive jets and helicopters. Policy cover can aviation hull third party liability war risks Collectors cars From vintage and veteran vehicles up to modern super cars, cover can be arranged on a traditional comprehensive motor policy basis or pure off road collector s risks only. Policy cover can agreed valuations track day cover Kidnap and ransom Kidnap and ransom demands can now be a common occurrence across the world. This insurance protection should be carefully considered for any private client family members - not just the principal but also the wider family members - for example a son or daughter in full time education away from home. This insurance can also provide peace of mind for employers who send employees abroad and by offshore service providers who are responsible for visiting clients and their families in overseas territories. Policy cover can the ransom fee access to specialist consultants and negotiators medical and repatriation costs 5
6 Follow Vantage Vantage Insurance Brokers Limited, PO Box 420, Vantage House, Anley Street, St. Helier, Jersey JE4 0WQ T: +44 (0) E: Vantage Insurance Brokers Limited is regulated by the Jersey Financial Services Commission for the conduct of General Insurance Mediation Business. Version: 7 (January 2019)
Personal Pension Plan. Key Features
Personal Pension Plan Key Features Introduction The Vantage Personal Pension Plan is designed exclusively for Jersey residents and enables individuals to provide for retirement in a flexible and cost effective
More informationMarine liability insurance.
Marine liability insurance. provides liability insurance for marine professionals and logistics providers. We pride ourselves on our personal yet professional approach and offer a specialist service suited
More informationCommercial Risk Summary Printing Services
Commercial Risk Summary Printing Services GRAPHIC ARTS UK SIC CODE: 73110 (2007) / 74402 (2003) Commercial artist Description of operations: Graphic arts refers to the various types of art forms and printing
More informationINTERNATIONAL INSURANCE AND REINSURANCE BROKERS
INTERNATIONAL INSURANCE AND REINSURANCE BROKERS Insurance broker is an intermediary between you and the insurance market. Because of its legal status, the broker seeks to protect the interests of the client.
More informationMining and Mineral Exploration
Mining and Mineral Exploration solutions & protection for the mining industry Introduction Axis Managers specializes in structuring bespoke insurance solutions for the Mining and Mineral Exploration Industry.
More informationYacht Liability Cover
Yacht Liability Cover Comprehensive Cover. Exceptional Service. The Club Steamship Mutual is a market leader in the provision of Yacht P&I liability insurance, due to its financial stability ( A rated
More informationAviation Premises, Hangarkeepers and Products Liability Insurance
Aviation Premises, Hangarkeepers and Products Liability Insurance It is your duty to make a fair presentation of the risk and to disclose all material circumstances. Before completing this risk questionnaire,
More informationGuide to Content. Broker Assess
Guide to Content Contents Assess is a web based system, written specifically from a general insurance perspective and designed to help you meet your organisation s training and competency requirements.
More informationExceptional cover and service for owners of fine homes and valuables.
Masterpiece 1 Exceptional cover and service for owners of fine homes and valuables. 2 At Chubb, when it comes to helping to protect your home, we go beyond your expectations. Our Masterpiece policy provides
More informationLandlord s Buildings and Contents Insurance. In partnership with Ellis David Ltd Summary of Cover
Landlord s Buildings and Contents Insurance In partnership with Ellis David Ltd Summary of Cover About this document This summary of cover has been prepared to help you to: - Decide whether this product
More informationWhy arrange your insurance with Hiscox Private Client?
Why arrange your insurance with Hiscox Private Client? Insurance from experts who understand your lifestyle and can tailor a product and service to meet your exact needs no matter how complex. We specialise
More informationAviation Products Liability Insurance
Aviation Products Liability Insurance It is your duty to make a fair presentation of the risk and to disclose all material circumstances. Before completing this risk questionnaire, please read the section
More informationUltimate Home Zurich Private Clients
Summary of cover Ultimate Home Zurich Private Clients This document provides a summary of the significant features, benefits, exclusions and limitations of the cover provided by the Zurich Private Clients
More informationThe Shipowners Club. Yacht Liability Insurance
Yacht Liability Insurance Serious about yacht insurance Specialist insurer of liability risks to the owners, operators and managers of yachts worldwide For over 155 years, the Shipowners Club has provided
More informationCommercial Risk Summary Service Businesses
Commercial Risk Summary Service Businesses ADVERTISING AGENCIES UK SIC CODE: 73110 (2007) / 74402 (2003) Advertising agencies Description of operations: Advertising agencies provide the service of developing
More informationCAPE4 YACHTING / JLT INSURANCE SUPERYACHT FACILITY
CAPE4 YACHTING / JLT INSURANCE SUPERYACHT FACILITY CAPE4 YACHTING / JLT SUPERYACHT INSURANCE FACILITY Cape4 and Jardine Lloyd Thompson Limited (JLT) have created a facility to allow owners of Superyachts
More informationFINCH GROUP INDEPENDENT INSURANCE BROKERS CORPORATE INTRODUCTION
FINCH GROUP INDEPENDENT INSURANCE BROKERS CORPORATE INTRODUCTION 1 CONTENTS INTRODUCTION OUR CORE VALUES UNDERPIN OUR BUSINESS! Introduction 3 About Us 4 Market Capability 5 Finch Group Commercial 6 Finch
More informationRESIDENTIAL & COMMERCIAL DEVELOPER SERVICES
RESIDENTIAL & COMMERCIAL DEVELOPER SERVICES WHO IS PREMIER GUARANTEE? Premier Guarantee is one of the UK's leading providers of Structural Warranty and Defects Insurance Services and since 1997 have been
More informationWhere excellence meets expertise
Where excellence meets expertise Zurich Private Clients 03 Where excellence meets expertise At Zurich Private Clients our philosophy is simple we treat every client as an individual and tailor everything
More informationCHINA TAIPING INSURANCE (UK) CO LTD LIABILITY POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD LIABILITY POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting
More informationBUMBERSHOOT APPLICATION. 1. Name of Applicant and all Affiliated Companies, Domestic or Foreign: 3. Corporation Partnership Individual
BUMBERSHOOT APPLICATION 1. Name of Applicant and all Affiliated Companies, Domestic or Foreign: 2. PO Address: 3. Corporation Partnership Individual 4. COMPANY INFORMATION Years in Name Of Entity Description
More informationPRO PRO. ProSurance TM. Application Form INSURANCE FOR PROFESSIONALS
PRO INSURANCE FOR PROFESSIONALS ProSurance TM PRO Application Form This is an application for an errors and omissions package policy aimed at a wide range of small and medium-sized professionals. As well
More informationR&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover
R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover July 2016 Edition Contractors All Risks and Liability Combined Liability Insurance Policy Overview
More informationGeneral and Products Liability
General and Products Liability Proposal Form Motor Liability Accident & Sickness Call 1300 650 670 or email brokers@ General and Products Liability Proposal Form 2 IMPORTANT NOTICES Please read these notices
More informationTaxi, Minibus and Coach
SUMMARY OF COVER Taxi, Minibus and Coach Liability Taxi, Minibus & Coach Liability Insurance Max 10/10 Policy Summary of Cover We are keen to work in partnership with You and avoid any misunderstandings.
More informationInsurance Brokers Professional Liability Insurance Proposal
Insurance Brokers Professional Liability Insurance Proposal AIG UK Limited 1. Proposer Details 1. (a) Name of Firm(s) (b) Principal address, including post code Tel No. Fax No. Web-site address 2. (a)
More informationHARTLEPOOL MARINA LTD BERTHING TERMS AND CONDITIONS. 1 st April 2013 to 31 st March 2014
HARTLEPOOL MARINA LTD BERTHING TERMS AND CONDITIONS 1 st April 2013 to 31 st March 2014 1. In these Conditions, the Company shall mean the Company and/or its Agent or Agents to whom the application for
More informationA&E. Application Form INSURANCE FOR ARCHITECTS & ENGINEERS
A&E INSURANCE FOR ARCHITECTS & ENGINEERS Application Form This is an application for an errors and omissions package policy designed specifically for architects and engineers. As well as errors and omissions
More informationNICHE INSURANCE INSURANCE FOR NICHE BUSINESS INSURANCE GOOD AND PROPER
NICHE INSURANCE INSURANCE FOR NICHE BUSINESS INSURANCE GOOD AND PROPER INSURANCE GOOD AND PROPER Santam understands that a specialised business requires specific insurance solutions with the highest level
More informationLondon Markets. Insurance & Reinsurance Brokers
Providing London & International Reinsurance Support from our Offices in London, UAE, India and Ireland plus our network of global partners BBi London Markets is a trading name of Berns Brett Ltd who are
More informationSwimming Pool & Aquatic Centre Broadform Liability. Third Party Goods in your Care, Custody and Control (Automatic Cover $50,000) $
Swimming Pool & Aquatic Centre Broadform Liability Intermediary Date / / Contact Name Phone ( ) Period of Insurance to at 4.00pm INSURED DETAILS Insured Name / ABN (Full details required, inc. Trading
More informationPOLICY SUMMARY Residential Property Owners
POLICY SUMMARY Residential Property Owners This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you Policy Summary Policy Summary
More informationRestoration and Renovation Construction Insurance Policy Summary
Restoration and Renovation Construction Insurance Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract
More informationA&E A&E. ProSurance TM. Application Form INSURANCE FOR ARCHITECTS & ENGINEERS
A&E INSURANCE FOR ARCHITECTS & ENGINEERS ProSurance TM A&E Application Form This is an application for an errors and omissions package policy designed specifically for architects and engineers. As well
More informationRisk & Insurance. Alex Rimmer Chief Operating Officer. A Member of the Global Alliance Group of Companies
Risk & Insurance Alex Rimmer Chief Operating Officer A Member of the Global Alliance Group of Companies Company Background Global Alliance Group was founded in 2001 Represented in 6 Countries Worldwide
More informationRENTERS INSURANCE. Assurance on Security, Protection and Peace of Mind
RENTERS INSURANCE Assurance on Security, Protection and Peace of Mind About Paymatrix Paymatrix is India's leading Property Rent management platform that enables thousand of tenants, landlords and property
More informationcib vertex Tel No: E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008
cib vertex CONTACT Tel No: 011 455 5101 www.cib.co.za ADDRESS 15E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008 CIB (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 8425).
More informationSINGAPORE. aspen-insurance.com
SINGAPORE aspen-insurance.com ASPEN GROUP Founded in 2002, and listed on the New York Stock Exchange in 2003, Aspen is a leading provider of insurance and reinsurance to clients. We operate through whollyowned
More informationWhat makes Chubb Masterpiece so different?
Masterpiece This is precisely the reason why Chubb Masterpiece is unique. We put our insureds needs first with our 3-step approach. Chubb s radical 3-step approach Step 1 We believe in total transparency
More informationIronshore Canada began offering specialty insurance in Ironshore Canada offers capacity through Ironshore Insurance Ltd. (Canada Branch) and
Ironshore Canada began offering specialty insurance in 2010. Ironshore Canada offers capacity through Ironshore Insurance Ltd. (Canada Branch) and through Lloyd s Syndicate 4000 (managed by Ironshore s
More informationTradesmen Policy This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you.
POLICY SUMMARY Tradesmen Policy This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you. Arista Insurance Tradesmen Policy Summary
More informationINTERNATIONAL CORPORATE OVERVIEW
Ironshore Asia Pacific is part of Ironshore International and operates from five locations: Australia, China, Hong Kong, Japan and Singapore. Ironshore Singapore is a branch of Ironshore Insurance Ltd.,
More informationCompany Multi Member Retirement Trust Scheme. Employer Booklet Key Features
Company Multi Member Retirement Trust Scheme Employer Booklet Key Features Company Multi Member Retirement Trust Scheme A Vantage Company Multi Member Retirement Trust Scheme is a flexible and cost effective
More informationOnshore and Special Risks
Charterers Liability Who buys this insurance?: qáãéi îçó~öéi ëäçí=~åç=ëé~åé=åü~êíéêéêëk One of our fortes is Charterers Liability Insurance. From Blue Water Ocean to Brown Water River charters we have
More informationAllianz Asia Brochure 1a:Layout 1 06/07/ :36 Page 1. Allianz Global Corporate & Specialty - Asia.
Allianz Asia Brochure 1a:Layout 1 06/07/2009 14:36 Page 1 Allianz Global Corporate & Specialty - Asia www.agcs.allianz.com Allianz Asia Brochure 1a:Layout 1 06/07/2009 14:36 Page 2 Content Allianz Global
More informationChubb Global Markets. Our portfolio
Chubb Global Markets Our portfolio Summary of the different lines available Accident and health 7 Environmental risk 17 Aviation 9 Financial institutions 19 Cyber risk 11 International casualty 21 Credit
More informationCONTENTS. WHY YOU NEED A WARRANTY Page 2. OUR WARRANTIES & OTHER SERVICES Page 6. INDICATIONS & QUOTATION Page 12. REGISTRATION & STANDARDS Page 18
GUIDE TO SERVICES CONTENTS WHY YOU NEED A WARRANTY Page 2 OUR WARRANTIES & OTHER SERVICES Page 6 INDICATIONS & QUOTATION Page 12 REGISTRATION & STANDARDS Page 18 ADDITIONAL INFORMATION Page 22 WARRANTY
More informationLIABILITY PLUS. Policy Summary
Policy Summary LIABILITY PLUS This is a summary of the cover provided by the policy and does not contain full details of the limits, terms, exclusions and conditions. These can be found in the policy document,
More informationBUY-TO-LET MORTGAGE TERMS AND CONDITIONS 2018
01 YOUR MORTGAGE AGREEMENT 1.1 Your mortgage agreement with us is made up of these Terms and Conditions, your Mortgage Application Declaration, your Offer Letter (including, where applicable, the Special
More informationDealer s Insurance Policy Key Facts
Insurance Specialty Fine Art & Specie Dealer s Insurance Policy Key Facts... MAKE YOUR WORLD GO xlcatlin.com This document summarises the cover provided by the policy and does not form part of your contract
More informationPROPOSAL FORM. Public and Products Liability Claims Occurring. Important Notices Please read these Important Notices before completing the Proposal.
PROPOSAL FORM Public and Products Liability Claims Occurring Important Notices Please read these Important Notices before completing the Proposal. Your Duty of Disclosure Before you enter into an insurance
More informationWe are a company with a unique perspective and commitment to help people to prosper. We Insure. You Prosper.
We are a company with a unique perspective and commitment to help people to prosper We Insure. You Prosper. Liberty Mutual Insurance Group An overview Liberty Specialty Markets is part of Liberty Mutual
More informationcib vertex Tel No: E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008
cib vertex CONTACT Tel No: 011 455 5101 www.cib.co.za ADDRESS 15E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008 CIB (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 8425).
More informationPASSENGER VESSEL LIABILITY INSURANCE FOR SMALLER CRAFT KNOW YOUR COVER
PASSENGER VESSEL LIABILITY INSURANCE FOR SMALLER CRAFT KNOW YOUR COVER SHIPOWNERS PASSENGER VESSEL LIABILITY INSURANCE FOR SMALLER CRAFT KNOW YOUR COVER This Know your cover is intended to provide general
More informationINSURANCE FOR ACCOUNTANTS, BOOKKEEPERS & AUDITORS
ABA INSURANCE FOR ACCOUNTANTS, BOOKKEEPERS & AUDITORS ProSurance TM ABA Application Form This is an application for a Errors and Omissions package policy aimed at small and medium-sized accountants, bookkeepers
More informationPROFESSIONAL INDEMNITY INSURANCE PROPOSAL FORM FOR INSURANCE INTERMEDIARIES
PROFESSIONAL INDEMNITY INSURANCE PROPOSAL FORM FOR INSURANCE INTERMEDIARIES - 1 - P a g e CONTENTS 1. ADVICE ON COMPLETING THE PROPOPSAL FORM 2. PROPOSAL FORM 3. BINDING AUTHORITY QUESTIONNAIRE 4. OTHER
More informationThe Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations
The Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations Contents Foreword Introduction 1. Section 1 - Insurance required by law 1.1 Employers liability
More informationSwimming Pool & Aquatic Centre Broadform Liability Proposal
Intermediary Date / / Contact Name Phone ( ) Period of Insurance to at 4.00pm INSURED DETAILS Insured Name / ABN (Full details required, inc. Trading Name if Applicable) ABN: Address / Situation Description
More informationCOMMERCIAL LATENT DEFECTS INSURANCE
COMMERCIAL LATENT DEFECTS INSURANCE Improving asset value & supporting your goals through flexibility, innovation, and operational support WE RE DIFFERENT BECAUSE THE INDUSTRY DESERVES BETTER BLP acts
More informationProfessional Indemnity Insurance Proposal Form for Insurance Brokers
Professional Indemnity Insurance Proposal Form for Insurance Brokers 1 Name and Address in full of the proposer: Date Commenced: Website: 2 Is cover required for predecessor practices to the Proposer/s?
More informationProperty Owners Insurance
Property Owners Insurance POLICY SUMMARY This is a summary only and you should refer to the full terms and conditions in your policy documents or consult your broker for more information. Product name:
More informationWhat makes Chubb Masterpiece so different?
Masterpiece This is precisely the reason why Chubb Masterpiece is unique. We put our insureds needs first with our 3-step approach. Chubb s radical 3-step approach Step 1 We believe in total transparency
More informationInsurances. National Certificates of Currency
Insurances National Certificates of Currency HIGH LEVEL INSURANCE SUMMARY Contract Works Material Damage J Hutchinson Pty Ltd trading as Hutchinson Builders and others as per the policy Including and all
More informationTable of Contents. Introduction 3. Today 3. Our Expertise 4. Broking Teams 4. Claims Team 4. Timeline 4. Memberships and Accreditations 5
Company Profile 1 Table of Contents Introduction 3 Today 3 Our Expertise 4 Broking Teams 4 Claims Team 4 Timeline 4 Memberships and Accreditations 5 FP Reinsurance Brokers Ltd (FP Re) 5 Partnerships 5
More informationwww.vantage-group.co Introduction Vantage is an innovative group of companies providing a wide, yet associated, range of specialist services to professional, corporate and private clients. We offer both
More informationTHB MARINE. Creative solutions for challenging and complex risks THBGROUP.COM
THB MARINE Creative solutions for challenging and complex risks THBGROUP.COM OUR OFFERINGS CARGO & STOCK THROUGHPUT WAR & PIRACY HULL & MACHINERY PROTECTION & INDEMNITY MARINE LIABILITY PORTS & TERMINALS
More informationPersonal Loans Terms & Conditions
Personal Loans Terms & Conditions Effective from 30 September 2015 Important Information This booklet contains the Terms and Conditions of our Personal Loans. The Contract for the Loan is made up of these
More informationBritish Gas Landlord Insurance
British Gas Landlord Insurance Summary of cover August 2016 Working with Why choose British Gas Landlord Insurance policy? The British Gas Landlord Insurance offers a range of covers and caters for a variety
More informationBUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM
COMMERCIAL PROPERTY CP 00 30 06 95 BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and
More informationGENERIC TERMS & CONDITIONS DOCUMENT
Version 3 GENERIC TERMS & CONDITIONS DOCUMENT Any words or terms highlighted in bold are defined in the relevant Policy wording. LABC NEW HOMES 1.1 For Section 3.1: A third party having paid a Registration
More informationPOLICY SUMMARY Residential Property Owners
POLICY SUMMARY Residential Property Owners This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you Arista Residential Property
More informationBUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM
COMMERCIAL PROPERTY CP 00 30 10 00 BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and
More informationProfessional Indemnity Insurance for Surveyors (and Related Professions)
PROPOSAL FORM Professional Indemnity Insurance for Surveyors (and Related Professions) Important tice 1. This is a proposal for a contract of insurance, in which Proposer or you/your means the individual,
More informationAlwen Hough Johnson Marine Products Directory
Alwen Hough Johnson Marine Products Directory Cargo Insurance All risks of physical loss or damage to goods whilst in transit by land, sea and/or air including War, Strikes Riots and Terrorism and Goods
More informationFREELANCE CONTRACTORS PUBLIC (& EMPLOYERS) LIABILITY INSURANCE POLICY SUMMARY
FREELANCE CONTRACTORS PUBLIC (& EMPLOYERS) LIABILITY INSURANCE POLICY SUMMARY LH-DOC157-3 MUM LH Liab 05 18 2 Freelance Contractors Public (& Employers) Liability Insurance Policy summary This is a summary
More informationOffer Conditions 2015 and Mortgage Conditions Relating to mortgages of Freehold, Leasehold or Commonhold Property located in England or Wales
Offer Conditions 201 and Mortgage Conditions 201. Relating to mortgages of Freehold, Leasehold or Commonhold Property located in England or Wales IMPORTANT NOTE. You must read your Mortgage Offer and this
More informationTHB Marine.
The specialist broking partner Marine Established in 2006, we believe our Marine team offers an unparalleled combination of strength, scale and personalised service. We also appreciate that an insurance
More informationRICS preferred UK PI Broker
RICS preferred UK PI Broker PROFESSIONAL INDEMNITY INSURANCE FOR START-UP SURVEYING FIRMS PROPOSAL FORM Guidance Notes 1. Please provide CVs for all the Partner(s) / Director(s) / Principal(s) of the Firm.
More informationDEMYSTIFYING INSURANCE
DEMYSTIFYING INSURANCE FOR COMMUNITY ORGANISATIONS Presented By Mark Fredericks & Brendon Durrant of Insurewest Pty Ltd General Advice Warning This advice does not take into account any of your particular
More informationYour valuable possessions tell a unique story.
Your valuable possessions tell a unique story. Insure them with confidence, trust and unparalled protection. Masterpiece Valuable Articles Coverage Special collections and rare finds reflect on your own
More informationTour Operators and Travel Agents Combined Liability Policy Overview
Tour Operators and Travel Agents Combined Liability Policy Overview Policy Overview This is a policy overview only and does not contain full terms and conditions of the contract of insurance. Some covers
More informationfor Property Valuers
Professional Indemnity Proposal Form for Property Valuers Address: 5/3352 Pacific Highway Postal: PO Box 976 Springwood QLD 4127 Springwood QLD 4127 Phone: 07 3387 2800 Fax: 07 3208 2200 Email: pidirect@pidirect.com.au
More informationLloyd s Japan risks controlled from outside Japan
market bulletin Ref: Y4607 Title Purpose Type From Lloyd s Japan risks controlled from outside Japan To provide details of simplified arrangements for the underwriting on an open market basis of Japan
More information(c) by Imam MUSJAB Tel or Page 1 of 11
Comprehensive General Liability Additional Clauses Please download here AIRSIDE LIABILITY This policy does not provide indemnity for any damage to aircraft, passengers or crew while on board an aircraft.
More informationTHE HOLIDAY COTTAGE OWNERS INSURANCE POLICY SUMMARY OF COVER
THE HOLIDAY COTTAGE OWNERS INSURANCE POLICY SUMMARY OF COVER 2 Cottagesure - the Holiday Cottage Owners Policy Cottagesure Policy Summary Your RSA Cottagesure Policy is an annual contract which may be
More informationTECH. Esurance TECH Application Form INSURANCE FOR TECHNOLOGY COMPANIES
TECH INSURANCE FOR TECHNOLOGY COMPANIES Esurance TECH Application Form Esurance TECH is an insurance package designed specifically for the technology sector. The policy includes Professional Indemnity,
More informationZurich Private Clients
Zurich Private Clients Where excellence meets expertise We ve shifted our motor insurance up a gear At Zurich Private Clients our approach is simple: we do everything we can to meet your customer s specific
More informationTRUE NORTH MORTGAGE INC. The Skinny STANDARD CHARGE TERMS
Page 1 TRUE NORTH MORTGAGE INC. The Skinny STANDARD CHARGE TERMS The following set of Standard Charge Terms will be deemed to be included in every Mortgage in which this set of Standard Charge Terms is
More informationTo ensure that this Policy continues to meet your needs you should review and update your cover periodically.
Summary of Cover iprism Tradesman & Contractor Policy This document provides a summary of the cover provided by the iprism Tradesman & Contractor policy. This summary is provided to you for information
More informationCPM. Application Form INSURANCE FOR CYBER, PRIVACY & MEDIA RISKS
CPM INSURANCE FOR CYBER, PRIVACY & MEDIA RISKS Application Form This is an application for a cyber, privacy and media liability package policy aimed at a wide range of companies and professionals. CPM
More informationSite Insurance and Structural Warranty Protection and peace of mind guaranteed
BuildCare Site Insurance and Structural Warranty Protection and peace of mind guaranteed or email enquiries@buildstore.co.uk or visit www.buildstore.co.uk BUILDCARE // SITE INSURANCE AND STRUCTURAL WARRANTY
More informationA&E. Inter-Pacific Insurance Brokers, Inc. APPLICATION FORM INSURANCE FOR ARCHITECTS & ENGINEERS
A&E INSURANCE FOR ARCHITECTS & ENGINEERS APPLICATION FORM INTRODUCTION The purpose of this application form is for us to find out who you are and to obtain information relevant to the cover provided by
More informationTOS Binnenvaart B.V. General Conditions Transport & Offshore Services Binnenvaart B.V. Introduction and explanation
General Conditions Transport & Offshore Services Binnenvaart B.V. Introduction and explanation Transport & Offshore Services Binnenvaart B.V. ( TOS ) seconds its employees for the duration of a certain
More informationBusiness Insurance Property Owners Policy Summary Commercial Claims
Business Insurance Property Owners Policy Summary Commercial Claims 0345 125 8859 This is a summary of the cover available under the Post Office Money Business Insurance - Property Owners policy. It does
More informationONE. About One Guarantee
ONE G u a r a n t e e About One Guarantee Contents Why One Guarantee? As Simple as 123 Our Warranties Why is a One Guarantee Warranty Needed? Getting a Quote Contact us 1 2 3 4 5 6 Why One Guarantee? Ÿ
More informationARCHITECTS AND ENGINEERS PROFESSIONAL INDEMNITY
ARCHITECTS AND ENGINEERS PROFESSIONAL INDEMNITY Policy Wording In consideration of the payment of premium specified in the Schedule the Insurer hereby agrees to insure against loss in accordance with the
More informationSurveyors Professional Indemnity Insurance Proposal Form
Surveyors Professional Indemnity Insurance Proposal Form Instructions This proposal form must be completed by a Principal, Director, Partner or Company Secretary of the Proposer. If there is insufficient
More informationINSURANCE FOR ALLIED HEALTH & MEDICAL PROFESSIONALS
A&M INSURANCE FOR ALLIED HEALTH & MEDICAL PROFESSIONALS MedSurance A&M Application Form This is an application for errors and omissions package policy aimed at a wide range of complementary medical practitioners.
More informationTRADE CREDIT TENANT DEFAULT INSURANCE
QBE EUROPEAN OPERATIONS TRADE CREDIT TENANT DEFAULT INSURANCE Proposal Form Please read the following information carefully This document sets out the important information that you, or your insurance
More informationAIRPORT HANGAR LICENSE AGREEMENT
AIRPORT HANGAR LICENSE AGREEMENT This Hangar License Agreement ( Agreement ) is made and entered into this day of 2011, by and between the City of Cloverdale, hereinafter referred to as City and (name
More information