Property Owners

“Our aim is to act as your own internal insurance department to our mutual benefit’

Service Agreement

	Professional dedicated and experienced property team
	Same day service on the issue of schedules, duplicate documents and invoices, which will be forwarded via e-mail, facsimile or post
	Invoices and schedules for each property which include material damage, terrorism & engineering
	A dedicated claims handler with delegated authority up to £2500 claim settlement
	Comprehensive bespoke policy wording
	Low cost direct debit facilities enabling premiums (except for terrorism) to be spread over 10 months
	We provide a “one stop shop facility” for the purchase of property and its ancillary insurance’s.
	Stuart Alexander appreciate that satisfied tenants are in the best interest of landlords as they add security to his investment
	Stuart Alexander always seek the widest policy wording in the market. We understand that, on F.R.I. leases, the wider the cover – the less the tenant pays. This is appreciated by the tenant and enhances the security of the landlord/tenant relationship.

Our approach and expertise provides complete peace of mind for all property managers. We can also arrange engineering insurance for all plant as well as statutory inspection for relevant plant such as lifts. Resident associations also require Directors and Officers insurance which covers them against the possible situation of freeholders holding the association responsible for the reduction in value of a property following their decisions and actions i.e. illegal construction, demolition, lack of maintenance etc. Pollution and Contamination insurance may also be required if either through existing ownership and/or construction on brown field sites.

Property Owners' Public Liability

Cover for the Liability of Property Owners to the Public and Includes:

	Protection against legal liability to members of the public, including tenants and lessees, for injury or damage to their property for a limit of £5,000,000 any one occurrence. Higher limits are available on request.
	The additional liabilities which arise under Section 3 of the Defective Premises Act 1972
	The cost of defending a prosecution under the Health & Safety at Work etc. Act 1974.
	Compensation for court attendance by directors, partners and employees.

Employers Liability (where required)

Cover for the Liability of Property Owners' for:

	Injury to employees
	Illness or disease to employees arising out of and in the course of their employment by the property owner for a limit of £10,000,000 any one occurrence.
	The cost of defending a prosecution under the Health & Safety at Work etc. Act 1974.
	Compensation for court attendance by directors, partners and employee