Tailored cover, specialist expertise

We understand the complexities and unique nature of the challenges those working in a heritage building can face and brokers have voted Ecclesiastical as the best heritage insurer for the past 13 years1.

More than just insurance

With over 130 years’ experience insuring the UK’s heritage, we understand the needs of owner-occupied businesses and organisations located in unique buildings. As well as specialist covers, we give you expert advice and support, including health and safety guidance and helplines including legal advice and PR crisis assistance. 

Heritage Business and Leisure product highlights

Our Heritage Business and Leisure insurance can be tailored so you get the exact insurance you need and only pay for what’s important to protect your business. Cover can include:

  • Buildings and contents
  • Business interruption
  • Reputational risk
  • Trustee and management liability
  • Cyber insurance
  • Employers’ liability insurance
  • Public liability insurance
  • Directors’ and officers’ insurance
  • Loss of licence
  • Equipment breakdown
  • Fine art, collections and antiques
  • Loss of money
  • Fidelity guarantee
  • Hirers’ liability
  • Legal expenses
  • Group travel
  • Personal accident
  • Professional indemnity
  • Engineering inspection

    We recognise that every heritage building and location will have different needs and requirements, that's why our Heritage Business and Leisure insurance policy allows you to add additional covers such as cyber insurance and cover for fine art and valuables. Speak to your broker about the level of additional cover that’s appropriate for you.

    For our full summary of cover please view our Heritage Business and Leisure policy.

    Risk management for the heritage sector

    We work with organisations like The Heritage Alliance and Historic England to understand risks in the sector and find solutions to some of the issues our customers face, like offering health and safety solutions which are not detrimental to the building’s original features. 
    For risk advice, you’ll have access to our risk advice line and we’ve also developed a Preferred Supplier Network with leading market specialists to help you avoid or mitigate any risks to which you feel you may be exposed.

    Specialist building valuations

    We work hard to help you protect the characteristics that make your building unique and provide a buildings valuation at no additional cost2. We can link that value to the Ecclesiastical Heritage Index, a specialist building index which tracks the costs of building materials and specialist skills that are often unique to heritage buildings.

    Award-winning claims expertise

    If you need to make a claim, our award-winning claims team3 can access specialist craftspeople to restore and repair your property to the same standards with authenticity and professionalism. You can be confident we will be ready to resolve claims as quickly and as fairly as we can. 
    Nobody ever wants to be flooded, but on the evidence of this episode the best thing that can happen to you if you are to be flooded is to be insured by Ecclesiastical.

    Heritage customer

    1 Ecclesiastical FWD Broker opinion survey 2008 to 2020

    2 Subject to underwriting criteria

    3 Winner of the Personal Lines Claims Team of the Year award and Customer Care Individual award Insurance Post Claims and Fraud Awards 2020

    Watch our video

    Take a look at our heritage reel to see what makes us a specialist

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    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.

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