Estates Insurance

When you insure your estate you’re not just protecting what you have today, you are also safeguarding it for your employees and visitors for the years to come. As specialists in estates insurance, Gallagher recognises the unique and varied challenges that every estate faces.

What is estates insurance?

Estates insurance is a specialist type of cover designed to help protect estates from a multitude of risks – from flooding to fire, theft to loss of income, even liability for injury to visitors or employees. Whether you’re looking to insure an estate that is centuries old, or a newly developed multi-purpose estate, it’s important to have comprehensive insurance in place. Estates insurance can also cover a wide range of businesses activities associated with the estate.

What kind of activities does estate insurance cover?

We understand that many estate owners and managers take a proactive approach to diversification such as holiday let accommodation, onsite café or restaurant, weddings, shoots and outdoor events. We can help insure your estate offering insurance protection to help cover the activities you undertake.

Perhaps your estate runs as a working farm, in which case we can provide guidance on livestock and disease cover to suit a range of farming types including arable, beef, sheep, pigs and dairy. We can also arrange cover for additional activities such as school visits and open days.

If your estate uses any form of renewable energy, cover can also be extended to include risks associated with wind turbines, solar panels and anaerobic digestion facilities.

What estate insurance products does Gallagher offer?

One key cover for estate insurance is buildings insurance. Often estate owners can find themselves underinsured in this area, particularly if a building is listed, because in the event of a claim they may be forced to reinstate ‘original’ materials which can be costly. As well as arranging cover for your physical buildings, we can also arrange high net worth home insurance to help protect your assets.

When you insure your estate with Gallagher, we offer a number of additional products depending on your requirements, such as management liability cover (including claims against trusts), event cover, holiday home insurance, cyber liability insurance, employment practice liability cover, and insurance against employee theft.

To help you manage and mitigate risk further, our services extend to engineering inspection, risk management, and a health and safety support service. If required we can also include accident management training, claims defensibility training, business continuity planning or fire planning.

Why choose us to insure your estate?

Gallagher is one of the largest insurance brokerages, risk management, and human capital consultant companies in the world, looking after some of the UK’s most important and historical buildings.

We will work with selected insurers to develop bespoke wordings and provide estate insurance that’s suited to your needs. We can also include rating stability clauses, a low excess or low claims rebates.

When you get in touch with us to insure your estate we can provide a quote and usually place cover in a single phone call. Payments are flexible with our estates insurance cover and can include monthly instalments*.

How do I claim on my estate insurance?

Our in-house claims team is always on hand to help steer you through even the most complex of insurance claims. So, if you do need to make a claim on your estate insurance, get in touch with us and we can begin to help you straightaway.

You’ll benefit from a dedicated handler that will guide you through the entirety of the process. We’re here to help you get the best possible outcome, which is why we work hard and utilise industry specific expertise to find the most appropriate solution.

*We work with third party credit providers (which may include the insurer of your insurance policy) to manage instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to the provider and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with the provider. If the credit provider company agrees to provide you with credit it will provide you with its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to the provider.