This product is not available ‘open market’ and is exclusive to Property Protector. 

Alpha is exclusive to Property Protector, and we are very proud that we have secured one of the leading insurers to back one of our widest wordings.  Alpha is underwritten by Hiscox Insurance Company Limited.

Hiscox needs little introduction, and have over 100 years’ experience in insurance, protecting a range of property of all sizes, around the world. Naturally, you would expect a property owners contract from such a renown insurer to go above and beyond, and the Alpha wording doesn’t disappoint in terms of breadth of cover and abundance of features.

Alpha provides cover for wide range residential property and also retail, office and other commercial premises. The policy automatically provides cover for loss of rent (even on commercial properties) and extends to include some high limits on policy cover. In addition, we can also offer a Directors & Officers extension with various limits, and Employers Liability cover where required. 

Payable by direct debit – 10 months interest free instalment facility available

Finally, Alpha also extends to cover Crisis Containment, ensuring that the reputation of your client is managed following a loss that may cause publicity.

All in all, Alpha is game changing in the property owners market place, should you need to discuss this or any other aspect of the products, contact one of our Business Development Managers

Key Features

  • Accidental Damage Cover
  • £5m Property Owners Liability Cover
  • Loss of Rent Cover up to 30% of Buildings
  • Trace & Access Cover up to £100,000
  • Locks and Keys cover up to £25,000 any one loss
  • Nest and Vermin Removal up to £1,000 any one loss
  • Easy “Statement of Fact” Basis of Contract
  • Directors and Officers cover available as an option 
  • Employer Liability cover optional
  • Crisis containment cover automatically included up to £25,000
  • Exemplary Claims service
  • Trace & Access Cover up to £100,000
  • Includes ARAG Legal Expenses 


Rob Pountney

Managing Director, Murton Alexander Insurance

"We have used the Property Protector scheme since it first launched in 2002. Being brokers like ourselves, the underwriting team understand the problems we face, and are always sympathetic to our needs. This attitude coupled with their background in Property Management means that they are a valued partner and we would have no hesitation in recommending them to any member who has property owning clients."

Grant Ellis

Property Protector Policyholder

"I have known the team at Property Protector for many years and when my broker recommended them to me as a carrier for my personal property owners business I had no hesitation in accepting. They act with great professionalism and the service standards are first class. As a customer I have no hesitation in recommending the Property Protector product."

Steve Allwright

Director, Firth & Scott Insurance Brokers

"Firth and Scott have been placing both residential and commercial property owners business on the Property Protector Scheme since 2002. During this period we have found the underwriting staff sympathetic and flexible in meeting our clients’ needs. The policy wording in respect of unoccupied premises has proven to be an extremely popular policy benefit with our clients. When called upon, we have found the claims handling service to be proactive, efficient and fair."

Nicolas Martin

Director, Guy Penn & Company

"Since commencing using Property Protector in 2005, we have been very impressed not just with the breadth of cover (which automatically includes Accidental Damage and Terrorism), and competitive pricing but also with the excellent service we receive which results in our obtaining quotations and cover confirmations within 24 hours of request in most cases"