Help ? Property owners liability is typically a standard section of most property policies. The standard £1,000,000 indemnity can normally be increased to £2M or £5M if required. The higher limits are necessary when the potential injuries or damages caused by the property could be significant. e.g. A large number of people could be trapped in the building during a fire.

Help ? The building sum insured must reflect the full cost of re-building the property should it be completely destroyed in an insured event. The sum insured should include allowances for removal of debris, architects fees together with any outbuildings, walls and fences etc. The current market value should not be used.

Help ? Many properties may take a considerable time to re-build or repair after an insured event. In this case, inflation may push up the final bill to an amount greater that the original sum insured, leaving the policyholder out of pocket. 'Day One' Inflation protection makes an allowance for this.

Help ? Property owners liability is typically a standard section of most property policies. The standard £1,000,000 indemnity can normally be increased to £2M or £5M if required. The higher limits are necessary when the potential injuries or damages caused by the property could be significant. e.g. A large number of people could be trapped in the building during a fire.