insurance

25 06, 2019

Why you should have Landowners Liability Insurance

By |2020-06-05T10:29:03+00:00June 25th, 2019|insurance, Land Liability Insurance, Uncategorized|Comments Off on Why you should have Landowners Liability Insurance

Why you should have Landowners Liability Insurance Who needs landowners insurance? All landowners, even if you are in the country, town or city should always consider protecting themselves with landowner liability insurance.  This can particularly apply for: Residents associations with communal areas. Commercial landowners e.g. industrial estate or sports field. Private landowners e.g. common land, fields with or without footpaths. Brownfield land, development site, undeveloped pasture, field, road and retail parks. Types of Claim: A tree falling & causing damage to a person or property. Someone being injured due to your negligence in maintenance of the area If you own any land, you are liable for any member of public even if they are trespassing and you may have to pay out compensation unless you can prove that you were not negligent. How we can help: Property Insurance Centre can offer Landowners Liability Insurance policies with immediate start cover.  With [...]

25 06, 2019

Public Liability Insurance

By |2021-10-19T18:56:11+00:00June 25th, 2019|insurance, Public Liability Insurance, Uncategorized|Comments Off on Public Liability Insurance

Public Liability Insurance from The Property Insurance Centre What is Public Liability Cover? Public Liability Insurance will take care of any injuries or damage that occurs to a property or person not associated with your business during the course of work. For example, if you were a cabinet fitter and a cabinet that you had just installed fell of the wall and knocked into someone else the injury claim would be settled by your insurance claim and the only expense to you would be the insurance excess. A lot of public liability insurance policies also include legal expenses cover. This can vary depending on the company and policy. Whether you are starting a business or have yet to look into getting insurance that can cover you in case of any accidents at work, to protect your business from any claims that may be made to you from members of the [...]

25 06, 2019

Commercial Property Insurance Brokers UK

By |2021-10-19T19:02:18+00:00June 25th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Brokers UK

Commercial Property Insurance Brokers UK Commercial Property Insurance Brokers since 1976 Property Insurance Centre are one of the few brokers who specialise in Commercial Property and Business Insurance and with over 15 different underwriters we are sure to find you the best price and the right insurance protection. All you have to do is give us a call on 0800 085 3761, we have offices in London & Northern Ireland so cover all over the UK. We offer a range of products from Residential and Commercial property owners.  We also provide commercial and residential combined policies with accidental damage and £2,000,000 public liability cover as standard, which can be increased to £10,000,000 if required.  We are also specialists in Unoccupied Commercial Insurance and Unoccupied Residential Property Insurance. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

25 06, 2019

Retail Shop Insurance UK

By |2020-06-05T10:29:47+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Retail Shop Insurance UK

Retail Shop Insurance UK If you own a retail premises you need to be careful with obtaining the correct level of cover to protect your asset. You may be the landlord of the building or the freeholder and operating your business from the premises, and both will expose you to certain risks that you need to be aware of. Whether you have a property owner’s policy/commercial property owner’s policy or business policy, you can be exposed to liability claims. Imagine you had a customer & you were the business owner insuring your contents and fixtures & fitting along with the stock in the shop, and your customer tripped and fell, injuring themselves in the process. Now imagine the same customer is unable to carry out her duties at work due to the injury sustained at your premises. Now imagine you have been found negligent – this is why it is paramount [...]

25 06, 2019

Looking to Rent for the First time in London

By |2020-06-05T10:27:44+00:00June 25th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Looking to Rent for the First time in London

Looking to Rent for the First time in London If you are looking forward to moving to London for the first time can be exciting and challenging!  Therefore, we have the following tips when it comes to looking for your first flat/apartment in London. Find out what you are looking for and what part of London you are looking to move to. For example, South London will give you newer buildings and a bit more space for your money. Carry out plenty of research in terms of what facilities are close by, how long your train journey will take to work and what local restaurants, shops are nearby. When you are looking at the rental prices make sure you check what the additional costs are such as management fees, council tax, water rates, what type of heating the apartment is used (gas, electric or oil). If you know anyone [...]

25 06, 2019

Home Emergency Breakdown Cover Insurance UK

By |2021-10-19T19:27:39+00:00June 25th, 2019|Home Insurance, insurance, Uncategorized|Comments Off on Home Emergency Breakdown Cover Insurance UK

Home Emergency Breakdown Cover Insurance UK Many of our customers opt for Home Emergency Cover as an extra to their Home Insurance Policy that they hold separately. It essentially compliments your household policy, providing benefits and services which are not normally available under such policies. The home emergency cover will normally provide cover up to a value of £1,000. Many homeowners take this policy out for risks to their boiler for example. Other covers may include plumbing problems relating to leaking pipes, blocked drains or leaking radiators, toilet blockages, hot water failure, pests such as mice or rats (which are a major issue in cold weather conditions that we are experiencing in the UK at the moment), roofing (where slates have been blown off during a storm or bad weather conditions). The policy will normally include a call out, labour, parts and materials to carry out emergency repairs or if [...]

25 06, 2019

Saving Business Expenses

By |2021-01-15T08:03:54+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on Saving Business Expenses

Saving Business Expenses Whether you work in an office or a retail shop premises, there are numerous ways as a business owner you can save money or cut costs. The most important rule to follow when cutting costs is – pay attention to detail. It’s the smaller things that add up, especially when there are many smaller things. Although staff are often considered the life blood of your business (and rightly so), you need good staff to operate your business efficiently when you are not around, but are they costing you money? I’m not talking about wages here either obviously – good staff deserve good pay, and you will get more back than you pay out!What you should pay attention to, is the other things that they are doing on a daily basis, that are peripheral to their main tasks. Anyone who works in an office, knows there is [...]

25 06, 2019

We saved Mrs Glenn possibly £5000

By |2020-06-05T10:30:57+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mrs Glenn possibly £5000

We saved Mrs Glenn possibly £5000 Mrs Glenn owned a house which has been rented out for a number of years. The tenant left the property and Mrs Glenn found it difficult letting the property out & eventually decided that the house was to be sold. Assessing her risk, she decided that she only would require cover for liability to the land upon which the building sat and liability from the building itself. Mrs Glenn, who owned the building in Bangor, decided that insuring the land was her best option. She filled in our online form and we returned the land insurance quote to her by email within 30 minutes. Mrs Glenn rang the office and paid the premium by credit/debit card and received a discount for doing so. The policy ran for nearly 2 years when Mrs Glenn contacted us to inform us that she has received a letter from [...]

25 06, 2019

We saved Mr McCann £200 On His Insurance

By |2020-05-20T16:06:44+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mr McCann £200 On His Insurance

We Saved Mr McCann £200 on his insurance Mr McCann is a residential landlord with in excess of 20 properties on his residential property owner’s portfolio. Mr McCann contacted Property Insurance Centre for a Residential Landlord Quote after hearing we specialised in residential landlord’s property insurance centre. Not only were we able to beat the existing insurer’s premium by over £200, we were able to add contents cover to each of the residential properties for up to £5000 per property without any extra charge.Upon comparing cover Mr McCann also benefited from some extra cover on the policy that he did not have previously. He now has cover for malicious damage by his tenant up to £5,000, legal expense for the eviction of squatter & cover caused by damage from illegal drug factories if certain checks were carried out as per the policy. Get a Quote [...]

25 06, 2019

We saved Mrs Campbell £400

By |2020-06-05T10:33:31+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mrs Campbell £400

We saved Mrs Campbell £400 Mrs Campbell from Newtownards insured her home with a local broker for more than 20 years. Her buildings and contents were insured along with some valuable items such as jewellery. Her premium steadily increased every year and Mrs Campbell eventually decided to search for an alternative. It became clear her buildings sum insured with her previous insurer was far too high as they insured for a nominal value up to £1,000,000. Property Insurance Centre advised Mrs Campbell that she could save substantially by obtaining the correct reinstatement cost of the Building. Mrs Campbell was able to obtain the correct sum insured which was £120,000 and saved herself a fortune by reducing the sum insured from the nominal figure that her previous insurer applied to her cost. We also were able to provide extra cover and she now has legal expenses and home emergency cover additionally on [...]

25 06, 2019

Dentist Insurance

By |2021-10-19T19:24:17+00:00June 25th, 2019|insurance, Tradesman Insurance, Uncategorized|Comments Off on Dentist Insurance

Dentist Insurance If you are the owner of a Dentist building or require cover for the buildings & contents, it is essential your get the correct level of cover. Insurance for a Dentist can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the vicinity of the premises. This is why having a [...]

25 06, 2019

Fruit & Veg Shop Insurance

By |2021-01-08T13:03:27+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Fruit & Veg Shop Insurance

Fruit & Veg Shop Insurance UK If you are the owner of a Fruit & Veg building or require cover for the buildings & contents, it is essential you get the correct level of cover. Insurance for a fruit & veg can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required.  The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the [...]

25 06, 2019

Home Insurance Cover

By |2020-05-21T13:46:23+00:00June 25th, 2019|Home Insurance, insurance, Uncategorized|Comments Off on Home Insurance Cover

Home Insurance Romford Mr Rahman owned his own private house in Romford and was insured with a different broker until last year. He has been with his previous insurer for nearly 15 years and never once had to claim, until last year. The claim occurred two weeks before the policy was due to renew. The insured received little assistance with the claim from his insurance company & the insurer also refused to offer terms due to the pending claim. If you are looking for Home Insurance in Romford speak to us today on 0800 085 3761. This placed the customer in an awkward position, being so close to his renewal date with an outstanding claim. This prompted the customer to look for alternative insurance cover. Once the customer contacted us, we contacted our underwriters and asked them to consider cover taking into consideration the outstanding claim. They agreed and the [...]

25 06, 2019

Leaseholder Insurance London

By |2021-10-19T18:54:24+00:00June 25th, 2019|insurance, Office Insurance, Shop Insurance, Uncategorized|Comments Off on Leaseholder Insurance London

Leaseholder Insurance London Mrs Penny has insured with Property Insurance Centre for a number of years. She was the leaseholder of a flat in North London, and along with the 3 other leaseholders, had formed a management company to manage the freehold. Mrs Penny was on the ground floor of the block of flats and noticed there was blockage in her bathroom. A claim was made to her insurer without delay. After a number of weeks her insurer responded and stated that there was no cover within the policy in this particular case, as the insured did not opt for accidental damage cover when taking the policy out. Mrs Penny contacted her broker, Property Insurance Centre, regarding the insurer’s initial response stating there was no cover on her leaseholder insurance policy. Property Insurance Centre quickly established that the claims handler’s assessment was incorrect, and that one of the core covers [...]

25 06, 2019

Looking for Off Licence Insurance

By |2021-10-19T18:57:56+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Looking for Off Licence Insurance

Looking for Off Licence Insurance? If you are the owner of an off-licence building or require cover for the buildings & contents, it is essential you get the correct level of cover. Insurance for an off-licence can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the vicinity of the premises. This [...]

25 06, 2019

Commercial Property Insurance Brokers

By |2020-05-22T10:47:11+00:00June 25th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Brokers

Commercial Property Insurance Brokers We have been Commercial Property Insurance Brokers since 1976 from our first offices on the Limpsfield  Road, Sanderstead. Since then the company has grown to serving clients from London to Birmingham to Manchester to Belfast , right across the United Kingdom. We offer a range of products from Property Owners , both residential and commercial, including buy to let insurance & Commercial Property Owner policies from a panel of insurers with a wide range of covers available. As Commercial Property Insurance Brokers our service will include : A no-obligation review of your insurances Identification of any gaps in cover Help you to arrange a policy that meets your needs Answer any questions you may have Comparison of insurance quotes & cover from multiple insurance companies (we’re independent so not tied to any insurers) Availability of instant cover If there is a better deal out there, we’ll [...]

25 06, 2019

Questions about Directors Insurance

By |2020-05-22T10:49:30+00:00June 25th, 2019|Directors and Officers Insurance, insurance, Uncategorized|Comments Off on Questions about Directors Insurance

Questions about Directors Insurance So, you have Questions about Directors Insurance? Directors Insurance or Directors and Officers Insurance is one of the most misunderstood policies within the industry and beyond. Property Insurance Centre have been selling these policies for years, and below are some of the most frequently asked questions, we have had from our customers. We hope this helps you too! Q: What does a Directors Insurance Policy Cover? ANS Directors and Officers Liability Insurance protects company directors and officers against claims arising from their wrongful acts whilst managing their business. Q: What is an officer of a company? ANS An officer can be any individual within a company who makes decisions which affect the company. The title “officer” depends on what an individual does rather than what he is called. Q: What D&O limit of indemnity should my client buy ANS The limit of indemnity chosen by your [...]

25 06, 2019

Insurance Brokers Newtownards

By |2020-05-21T14:44:22+00:00June 25th, 2019|Buildings Insurance, Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Insurance Brokers Newtownards

Insurance Brokers Newtownards with access to Loss Assessors Mr Martin had internal water damage & damp in his office and reported the damage directly to his insurer. Mr Martin assumed the water damage was the result of a storm that occurred the previous evening, and that the storm has damaged his roof, and the water had penetrated the inside of his building directly from this. The insurer appointed a Loss Adjuster to the claim, and as the claim estimate was under a certain value, the adjuster refused to visit the property & insisted that the damage was not caused by the storm as the wind speed was not high enough to cause that level of damage to the roof. The customer contacted Property Insurance Centre for help, and as his broker, we asked a team of loss assessors, which are claim handlers who work for the customer (not the [...]

25 06, 2019

Make Sure You Are Not Under Insured

By |2021-10-19T18:52:33+00:00June 25th, 2019|Buildings Insurance, Home Insurance, insurance, Uncategorized|Comments Off on Make Sure You Are Not Under Insured

Make Sure You Are Not Under Insured Property Insurance Centre aims to ensure its customers are properly insured in the event of a claim – and perhaps most importantly this means insuring any property you own for its current value. Over time, property can increase in value significantly & is therefore essential to insure for the correct amount to avoid under-insurance. It is estimated under-insurance affects a significant amount of all current live policies and that many customers are currently under-insured without knowing - this why you need to make sure you are not under insured. The consequence of under-insurance is the ‘average’ condition which affects any claim amount paid to the customer in the event of a claim. For example, if a customer is under-insured by 50%, the average condition will be applied, and any claim the customer may have, will have their claim payment in turn reduced by [...]

25 06, 2019

Commercial Insurance Northern Ireland

By |2020-05-21T15:04:04+00:00June 25th, 2019|Commercial Building Insurance, Commercial Property Insurance, insurance|Comments Off on Commercial Insurance Northern Ireland

Commercial Insurance NI Whether you have a small family owned business, rent lots of properties across Northern Ireland or run a global multi-national organisation you need commercial insurance and commercial building insurance, that suits your needs and your organisation.  Our team of specialist brokers at Property Insurance Centre in Northern Ireland are dedicated to finding you the right insurance for your needs at the best premium.  All businesses are different and have different insurance needs, so we believe in providing the personal touch with our customer focused approach.  We are not like large insurance firms as we always give you a dedicated contact for your business insurance needs, including office building insurance, so you will always know who to call if you need to alter anything on your policy and you won’t have to call an unknown person in a contact centre. Unlike taking your cover directly with an insurance [...]

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