property insurance
At Caxtons we believe in providing the very best property insurance for our clients.
We take the complexity, worry and delay out of the entire insurance process, advising our clients from policy inception through to claims settlement.
a unique and innovative property owner’s insurance policy
As a business owner you will have numerous hats you need to wear to ensure the smooth function of your company on a day-to-day basis, indeed so many that sometimes it is difficult to peer into the territory of ‘what ifs’.
We have sourced a unique and innovative property owner’s insurance policy through which to insure our clients’ properties. The Pi-Property policy takes the hassle out of insurance and, as many of our clients have already discovered, exceeds their expectations in this vital area or property management.
Caxtons’ insurance department specialises in providing a variety of property insurances to more than 600 clients, covering a broad spectrum of over 1,000 properties country wide, with a total sum insured in excess of £2 billion and total premium spend of over £2 million.
Residential and commercial property policy benefits include:
Cover
- Full ‘All Risks’ cover
- Property owners liability insurance of £25m
- A wide range of unique and exclusive additional benefits
- Terrorism cover
- Note policy excesses may apply
Claims:
- Fast track arrangement for claims up to £5,000. Claims settled by BACS upon receipt of final invoice.
- Streamlined system for processing larger claims resulting in quick and fair settlement with a minimum of fuss.
- Quotations: Comprehensive quotes normally provided within 24 hours.
- Documentation: Policy documents and certificates available to Caxtons on-line therefore no delay in issue.
- Available electronically or hard copy.
Market leading premiums:
Our clients benefit from the genuine purchasing power we can exercise as a result of our substantial insurance portfolio and excellent reputation that we have established within the insurance sector.
Caxtons are constantly assessing how the changing nature of risk affects property owners and ensure our policy wording keeps abreast of such changes and adapts accordingly.
For advice, more information or to get a quote, please get in touch with our insurance team who will be happy to discuss your requirements.
the benefits of tailored ‘all-risks’ cover
Under Caxtons’ exclusive insurance cover through Pi-Property Insurance, the extent of the ‘All-Risks’ cover provided under the policy is second to none.
As well as the cover you would expect to see in a property owner’s policy, such as malicious damage, landlord’s contents and property owner’s liability, our policy features a number of additional benefits. These covers are often utilised and regularly provide financial assistance to policyholders when many alternative policies would not respond in the same way as these live examples illustrate:
Fly tipping: Two lorry loads of used tyres were dumped on the forecourt of a client’s premises, which had to be removed. Claim paid – cover up to £100,000.
Tree removal: A large tree fell from adjacent land (owner unidentified) causing damage to the boundary fence and a significant cost in cutting up and removing the tree. As the building was not damaged many policies would not respond. Claim paid – cover up to £10,000.
Malicious Damage: A joyrider drove a vehicle through communal gardens, causing significant damage to shrubs, lawns and a paved area. Claim paid – automatic cover up to £50,000.
Trace and access: A leak in a block of flats proved very hard to find, and significant costs were incurred in tracing the source. Many insurers limit their exposure. Our cover provided for unlimited costs.
In addition to our property owners policy, we are able to provide other property related insurances such as:
- Directors and Officers liability insurance
- Engineering cover
- Contract works cover
- Property owner’s liability
Experience has shown that, on occasion, property owners, tenants and management companies are not well served by their property insurance brokers. We have worked with our insurance brokers Clear Insurance Management (formerly Morrisons Insurance Solutions) for over 15 years and have an extremely proactive and close working relationship enabling us to provide a property owner’s insurance you can rely on.
Our no-obligation quotation has proved attractive to many new clients, who have discovered the benefits of this bespoke Caxtons’ property owner’s insurance scheme.
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Caxtons is regulated by the Royal Institution of Chartered Surveyors (RICS).
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