Heritage business and leisure insurance

Specialist insurance for hotels, spas, offices and retail spaces operating from a building of historic or architectural significance.

Heritage risk management

Protecting your business

We have over 135 years of experience protecting heritage buildings and understand their unique construction quirks.

We’re proud to insure some of the most amazing places and buildings. Our long term, strong relationships with key bodies in the heritage sector mean we’re part of the community in which we serve.

What's covered?

Buildings and contents cover

Including minor contract works and property away from the premises.

Liability covers

Including Employers’ liability, Hirers’ liability and Trustees’ and Management liability.

Business interruption

Including deterioration of refrigerated stock and seasonal stock increases.

Fine art and collections

Including new acquisitions and temporary removal.

Legal expenses

Including employment disputes and compensation awards.

Reputational risks

Support includes legal and Public Relations costs.

Loss of licence

Including wedding and premises licences.

Documents

The summary of cover is an outline of the standard cover provided under the policy and is not personalised to you. The cover you choose will depend on your circumstances and will be shown on your policy schedule. The schedule will also detail some changes we have made relating to infectious and communicable diseases and cyber-related incidents.

Heritage Business and Leisure insurance summary of cover (PDF)

1 September 2025

Heritage - risk appetite guide (PDF) - Broker use only

10 July 2018

Why choose Ecclesiastical?

Practical guidance from our risk team - including help with building valuations, access to a comprehensive library of resources, and a dedicated risk helpline.
Personalised claims support - direct contact with the specialist handling your case, for clear communication and a smoother experience.
We believe that better business can better lives - we're proudly part of the Benefact Group and donate our available profits to good causes.

Ecclesiastical Heritage Index

EHI tracks the cost of materials and labour for traditional construction methods, reducing your risk of underinsurance.

Heritage Index

Heritage risk management

Risk support, templates, guides and checklists to help your organisation manage risks well.

Heritage risk support

96% Claims Satisfaction

Ecclesiastical Settled Property Claims Customers 2024, responses from 589 customers who had their claim settled.

Claims

Awards and accreditation

Need a quote?

Our insurance products are only available through a broker.

Related products

Arts and Culture insurance Art & Private Client

Historic Britain insurance Fine Art insurance

Experiencing financial difficulty?

If you are struggling to make payments for affordability reasons or logistical issues, please contact us (or your broker) as we may be able to support you with practical help.

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