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Building Sum Insured
Does your declared value correctly represent the current rebuilding cost of your property? Are you aware that this bears no relation to the commercial market value? Remove the risk of under insurance and have your building valued by a professional. The initial cost of the service is outweighed by the comfort of knowing that you are properly protected.
Property Owners Liability
Injury to a third party or damage to their property resulting from your ownership of the building. Cover is included up to £5,000,000.
Employers Liability
Gardeners, cleaners and caretakers all face risks whilst working at your property. Cover is included up to £10,000,000.
Landlords Contents
Carpets, furniture or paintings. There are often contents within the common parts of the building. Cover is included up to £20,000.
Loss of Rent/Alternative Accomodation
Are any of the flats uninhabitable following a claim? Does the flat owner need to be rehoused whilst the repairs are carried out? Cover included up to 20% of the building declared value.
Legal Expenses
Are you taking legal action over a dispute relating to physical damage to the property, or is someone bringing criminal proceedings against you for an offence arising out of your business activities? Cover is available up to a limit of £50,000.
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Now there’s no reason to arrange separate policies with different insurers and individual renewal dates? What would happen if you forget to renew one of them? Include all of the risks that you face by doing it with POISE.
Terrorism
The risk appears to be ever increasing. For peace of mind, cover is available for the full rebuilding cost.
Directors & Officers
Directors acting in a voluntary capacity face the risk of personal litigation resulting from their actions on behalf of a company. Why should the directors face the costs involved when their work is unpaid and cover is available? Various limits can be quoted for.
Engineering/Inspection
– The law requires that lifts, boilers and other mechanical plant are inspected on a regular basis. Quotations are available for mechanical plant facing statutory inspection.
Extended Legal Expenses
Has the tenancy agreement been broken? Cover the cost of taking action to evict a tenant, recover rent owed by the tenant, or recover the costs incurred as a result of the property being left in a poor state of repair.
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