Properties insurance E-traded

Examples we target:

• Eligible residential tenant types with a declared value under £200k
• Office and retail premises
• Single tenure industrial units and retail warehouses
• Single premises portfolios

We can offer particularly good deals for:

• Commercial portfolios
• Claims-free portfolios
• Standard construction
• Full repairing lease
• Experienced landlords

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

• Waste and recycling risks
• Chemical risks 
• Dry cleaners, laundries or hotels and restaurants with their own laundry facilities
• Car showrooms, tyre fitters, automotive repair garages and similar in the motor trade sector
• Bed and breakfast, care and support, asylum seekers
• Housing associations or property developers
• Multi-tenure industrial units or retail warehouses
• Use of portable heaters
• Incorporation of composite panels in construction of commercial premises involved in food production or storage
• More than incidental proportion of empty premises
• Less than six months tenancy agreements

• We put you in touch with a tradesperson from our carefully selected panel.
• You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
• If damage is significant, we put you in touch with our loss adjusting service.

• We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
• Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
• Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
• Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.

• Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
• The team have the skills to manage major events and protect your customers’ financial and reputational interests. 

• We work with you and your customers to plan for serious losses with potential high impact to their business.
• Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place. 

• A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
• This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
• We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.