– Employers’ Liability for residential and commercial properties

– Terrorism now available for residential properties

– Optional unoccupied property cover for escape of water/oil, riot, malicious acts, vandalism & theft/attempted theft at selectable limits up to a maximum £25,000 any one claim

– Legal expenses upgrade including automatic cover for Property Legal Defence, Property Damage & Eviction of Squatters as standard

– Rent guarantee cover available for residential properties including Repossession, Rent Recovery and Rent Arrears up to £100,000 for all claims resulting from one event/cause

– Multi Location Available

– House of multiple occupancy (HMO) now available up to 10 bedrooms

– Airbnb properties now available

– 35% day one uplift of buildings sum insured

– New policy wordings & summaries

– 35% day one uplift to sum insured

– Capital additions up to £500,000 or 10% of sum insured (whichever greater)

– Accidental damage to underground services for unoccupied properties

– Drain clearance cover up to £5,000 any one claim

– Emergency access cover (damage caused by emergency services) up to £5,000 any one claim

– Fire extinguisher and alarm resetting expenses cover up to £10,000 any one claim

– Fly tipping cover up to £500 any one claim and £5,000 in total for all claims during any one period of insurance

– Landscaped gardens cover up to £25,000 any one claim

– Loss of metered water cover increased to £25,000 in total for all claims during any one period of insurance

– Malicious damage by tenants cover up to £5,000 any one claim and £25,000 in total for all claims during any one period of insurance

– Reasonable costs necessarily incurred for the removal of debris (including tenants contents) and the dismantling/demolishing and/or shoring up/propping of buildings

– Removal of nests cover up to £1,000 any one claim

– Theft damage to building fabric cover up to £10,000 in total for all claims during any one period of insurance

– Cover for replacing external door locks following the theft of keys up to £1,000 any one claim

– Tree felling and lopping cover up to £1,000 any one claim and £2,500 in total for all claims during any one period of insurance

– Unauthorised use of electricity, gas, oil and water cover up to £25,000 any one claim