Heritage & Commercial Property

Period & Listed Buildings | Renovation & Restoration Projects | Rural Property | Commercial Rental Property Property Owners Liability

La Playa's Heritage Commercial policy combines comprehensive business insurance with full protection for your period or listed heritage property. Our flexible "can do" approach and specialist expertise mean you can relax knowing your property is in really safe hands.

Heritage property is an area in which we excel. We understand that period and listed heritage buildings are a hugely important part of our national identity and we recognise that the unique and historic nature of your property may represent a vital part of your business proposition. If your cover isn't up to scratch you may find that you're unable to reinstate your property to its former glory and, if it's listed, or situated within a conservation area, you or your organisation may become liable in law to fund any shortfall in cover. A recent study carried out by Ecclesiastical insurance estimates that:

• 55% of period and listed buildings are underinsured
• 17% are significantly overinsured (their owners are paying too much).

This is mainly because the properties are insured with non-specialist brokers and insurers who lack the expertise to assess the risks realistically.

La Playa's expert team provides independent advice on:

• How much you need to insure for
• How you can manage your risks (security, good practice etc)
• Which insurer's policy best meets your needs
• Insuring contents including fine art & antiques
• Insuring your business, including:
  • Liability for properties open to the public or hired out for events
  • Public and Product Liability covering your business activities
  • Cover for business assets whether located on the premises or not
  • Enhanced business interruption cover for disruptions to your income streams due to equipment breakdown or following unexpected archaeological discovery
• Insuring your property, including:
  • Extra cover including an additional 20% on your sum insured to cover unforeseen costs of complying with historic buildings legislation
  • Up to £250,000 for unforeseen costs of English Heritage and other requirements
  • Access to an expert panel of conservation professionals, repairers and craftspeople

Our panel of experienced underwriters at specialist insurance companies provide "best of breed" policies for heritage property. We can also arrange all the necessary cover if you let your property to commercial or residential tenants, or if you decide to renovate the property (a whole new raft of risks and responsibilities).

Our tailor-made broking service will ensure that your heritage property is properly protected so that it can be enjoyed for generations to come. No nasty surprises - just great service with the minimum fuss.

Please email Matthew to receive more information.