Business Details
21 Years
experience
Your Trusted Partner for Property Insurance Solutions
Established in 2005, we specialise in underwriting property insurance for residential, commercial, and unoccupied properties. Our services cater to brokers through an advanced online portal and Acturis EDI system, ensuring streamlined operations from quote to bind. We pride ourselves on offering A-rated capacity with all claims managed internally by our award-winning team, eliminating third-party delegation. Our dedicated underwriters provide tailored solutions, supported by flexible trading options including telephone assistance for those preferring direct communication.With over 17 years of experience, we combine industry expertise with innovative technology to deliver competitive pricing, enhanced coverage, and greater flexibility for brokers and their clients. As part of Plum Underwriting Limited, we leverage extensive resources to address diverse property insurance needs while maintaining a client-centric approach focused on transparency and reliability.
Services
Multi Premises
Landlord Insurance
Unoccupied Property
Commercial Property
Heavy Refurbishment
Light Refurbishment
Short-Term Policies
Liability for Land Owners
Details
- Year established: 2005
Highlights and features
- Experienced underwriters specialising in property insurance since 2005
- Speedy online portal integrated with Acturis EDI system
- Competitive pricing with 25% discounts for eligible landlords
- A-rated capacity ensuring reliable coverage
- Award-winning claims team with no supplier delegation
Associations and certifications
- Financial Conduct Authority
Services
Multi Premises
Our Multi Premises facility provides comprehensive coverage for property portfolios, including residential flats, unoccupied buildings undergoing refurbishment, and mixed-use properties. Brokers can consolidate multiple risks under a single policy with one policy number, accommodating professional lets, non-standard construction, and social housing. This flexible solution simplifies management for brokers handling diverse property investments.
Landlord Insurance
Specialist landlord insurance offering up to 25% discounts for claim-free properties over five years. Covers HMOs, semi-commercial properties, and non-standard constructions with extensive perils including fire, flood, subsidence, and tenant malicious damage. Includes optional legal expenses cover and accidental damage protection for buildings and contents.
Unoccupied Property
Tailored insurance for unoccupied residential and commercial properties, underwritten by XLCatlin. Covers fire, storm, theft, and subsidence with flexible terms for properties awaiting sale or renovation. Commercial risks include enhanced liability coverage up to 2 million with options for accidental damage extensions.
Commercial Property
Comprehensive cover for diverse commercial properties including offices, retail spaces, and specialist trades. Partnerships with AXA XLCatlin enable competitive rates for high-risk sectors like veterinary practices, gyms, and builders' merchants. Includes protection against fire, flood, business interruption, and public liability claims.
Heavy Refurbishment
Insurance for properties undergoing major renovations, structural alterations, or complete rebuilds. Covers fire, explosion, and storm damage during high-risk construction phases with standard 100 excess. Designed for unoccupied properties requiring comprehensive protection during extensive refurbishment projects.
Questions
What types of property insurance do you offer?
We provide multi-premises, landlord, unoccupied, commercial, heavy/light refurbishment, short-term, and land liability insurance solutions tailored for brokers.
Can I get discounts on landlord insurance?
Yes, we offer up to 25% off for residential and unoccupied properties with 5 consecutive claim-free years.
Are your policies available through Acturis?
Yes, our products are fully integrated with Acturis EDI system for streamlined quoting and binding.
How are claims handled?
All claims are managed directly by our award-winning in-house team with no delegation to third parties.
Do you cover commercial refurbishment projects?
Yes, we offer heavy refurbishment cover for structural alterations and light refurbishment options for kitchens/bathrooms.
What accreditations do you hold?
We are authorised and regulated by the Financial Conduct Authority under reference number 309166.
