An exclusive wording for both Commercial and residential properties, providing a broad range of cover within one tailored policy. Our risk appetite is as broad as the cover we provide, from contemporary and modern buildings through to heritage and listed property. 

With some of UK’s leading historic buildings and country houses (such as Chatsworth House, Westminster Abbey, Eton college etc) and more modern buildings already under the care and protection of Ecclesiastical, you can be sure that your clients’ own property will have the same protection and flexible approach.

Contemporary & Modern

  • Leisure Pubs and Restaurants/Cafes
  • Conference Centres
  • Day Nurseries
  • Hotels and Bed and Breakfast Accommodation
  • Social and Private Members clubs
  • Surgeries

Historic and Listed

  • Grade 1, Grade 2* and Grade 2 listed buildings (England & Wales) and Category A, B and C listed buildings (Scotland)
  • High value properties
  • B&Bs (up to a maximum of 6 guests)
  • Country House Hotels 
  • Barn conversions
  • Old properties with historic interest that may not be listed (pre 1900’s)

Key Features

  • Accidental Damage Cover
  • £5m Property Owners Liability Cover
  • Loss of Rent Cover up to 30% of Buildings
  • Grade 1 and Grade 2 Listed properties acceptable.
  • Trace & Access Cover up to £25,000
  • Easy “Statement of Fact” Basis of Contract
  • Exclusive Extensions
  • Legionella Liability automatically included
  • 30% Loss of rent cover automatically included (including commercial properties)
  • £5,000 Landlord Contents included
  • £25,000 Contents in Commons areas included
  • Archaeological Costs upto £250,000
  • 60 Days Cover for Unoccupied Property
  • Additional cover for complying with planning conditions following an insured loss.

An exclusive wording for both Commercial and residential properties, providing a broad range of cover within one tailored policy.


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"