Optional Extensions:

• Loss of Rent
• Employers' Liability
• Personal Accident
• Business Travel
• Legal Expenses
• Engineering
• Construction
• Fidelity Guarantee
• Legal Indemnities
• Office Package - including computers.

Buildings

This section provides a wide range of cover enabling you to reinstate your property as new. Cover is 'all risks', including fire, theft and subsidence as standard.

In addition to the usual range of covers you would expect under a Property Owners policy, this section automatically includes:

• Replacement of Locks up to £2,000
• Damage to Landscaped Areas up to £25,000
• Trace and Access - cover for the cost of tracing the cause of damage by water or fuel oil up to £50,000
• Drain Clearing Expenses up to £25,000
• Loss of Metered Water up to £25,000
• Unauthorised use of Public Utilities up to £25,000
• Impending Damage up to £25,000
• Construction - alterations and additions to existing structures up to £500,000
• Reasonable costs for alternative accommodation following loss or damage to residential portion of buildings
• Loss of Market & Investment Value
• Architects' Fees
• Capital Additions
• Contracting Purchasers' Interest
• Fire Extinguishing and Alarm Resetting Expenses
• Removal of Debris Costs
• Waiver of Subrogation Rights
• Temporary Repairs, such as weatherproofing of property after an insured loss
• Public Authorities requirements (including undamaged portions of property)
• Mortgagees, Freeholders and Lessors
• Full cover availability for unoccupied properties, subject to pre-agreed risk management measures.

For true peace of mind certain properties with a rebuilding cost below £500,000 may be eligible for our unique 'limit of liability' wording. Properties that have been professionally valued may qualify for our 'no average' cover. Properties ineligible for these cover options will benefit from our special 75% average wording.

Loss of Rent

Cover provides protection for loss of rent with an automatic 100% uplift to allow for rent reviews. Automatic provision for:

• Alternative Accommodation
• Prevention of Access to your property
• Loss of interest on Late Payments
• Loss of rent following loss or destruction at the premises of Public Utilities
• Loss of rent (Unoccupied Properties)
• Choice of cover for buildings under a contract of sale
• Additional costs incurred to minimise loss of rent
• Payment of Professional Accountants' Fees to produce your claim
• Costs incurred in reletting buildings following loss or damage by an insured peril

Property Owners Liability

In addition to payments for legal liability to third parties arising out of the ownership of your premises, your policy also covers:

• Legal costs relating to a claim, in addition to the Limit of Liability
• Legal defence costs under Health and Safety at Work provisions
• Legal liability arising under the Defective Premises Act 1972 in connection with premises you have disposed of
• Legal liability arising under the Data Protection Act 1984 in connection with personal data records
• Legal liability arising out of products sold off incidental to your business
• £5 million limit as standard - with increased limits available

Cover also includes wrongful arrest, personal overseas liability and court attendance costs.

Employers' Liability

Cover is available for all your employees associated with the property portfolio, including the office staff, cleaners, maintenance, security and clerical staff.

Personal Accident

Capital lump sum or weekly benefits are available in the event of death or injury to any of your employees. Cover can be arranged for key individuals or for all of your employees on a group basis.

Business Travel

Full range of covers available if you or your employees are travelling on business including:

• Baggage
• Money
• Cancellation or Curtailment
• Medical and Emergency Travel Expenses
• Personal Liability
• Personal Accident
• Travel Delay
• Hijack
• Failure of Public Transport

Legal Expenses

Full range of covers available, which have been tailored for property owners, including:

• Lease
• Property
• Contract
• Employment
• Data Protection
• Prosecution Defence for Employers
• Prosecution Defence for Employees
• VAT Disputes
• 'In Depth' Tax Investigations
• P.A.Y.E. Audit Inspection
• Contributions Agency Investigations
• Directors Protection
• 24-Hour Legal Advice Helpline

Engineering

Cover for breakdown or explosion of installed machinery and pressure plant. Separate cover is available for inspection of items such as lifts, escalators and pressure systems in order to maintain compliance with statutory requirements.

Fidelity Guarantee

Cover for loss of your money or contents following a fraudulent or dishonest act by one of your employees.

Legal Indemnities

Facility to cover the full range of legal indemnity covers required by you including restrictive covenant, defective title, and local search indemnities.

Office Package

Full ranges of covers for your own office including:

• Material damage including computers
• Increased cost of working
• Book debts
• Legal liabilities
• Money

Solutions for Unique Customers

The unique Tysers Property Owners policy will meet the vast majority of your needs. In addition to this the following elements of cover are available and we will be happy to discuss your further requirements:

• Building Inherent Defects cover
• Privity of Contract
• Inadvertent Omission to insure
• Increased Policy Limits
• Engineering Inspection
• Tenant Default cover

Additional Features and Benefits

• Three Year Policy Option to enable you to budget with no rate increase
• Interest Free Premium Instalment Facility allowing you to spread payments at no additional cost
• 24-Hour Glass Replacement ensuring your property is repaired and protected in the event of damage
• Emergency 'out of hours' Helpline repairs when you need them most with direct billing to Insurers
• Property Management Computer Disk to help you keep records and produce schedules, certificates and premium calculations for individual properties and tenants

Risk Improvement Measures

Tysers, in conjunction with Insurers, have devised an active programme of risk management to assist you in protecting your assets. Risk management services include:

• CD ROM produced annually with a personalised and detailed claims analysis suggesting risk reduction solutions where applicable
• Full range of on site risk surveys available from initial assessments to full detailed health and safety and environmental response reports
• Free assistance with production of business continuity plans

Complete Project Insurance

Our primary service to property developers is the provision of bespoke employer-led project insurance programmes which enable the Client to take direct control of the construction insurance arrangements. The adversarial nature of the construction industry can leave the employer highly exposed if he adopts the traditional route of relying on contractors' insurance.

We cost-effectively offer the widest cover available in the construction insurance market and our positive approach is welcomed by developers of all shapes and sizes in the UK.

>> Click here to view our Complete Project Insurance Brochure

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