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 15 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
  • Public liability insurance
  • Employers’ liability insurance
  • Loss of licence
  • Directors’ and officers’ insurance
  • Fine art, collections and antiques
  • Equipment breakdown
  • Fidelity guarantee
  • Loss of money
  • Legal expenses
  • Hirers’ liability
  • Personal accident
  • Professional indemnity

We recognise that every heritage building and location will have different needs and requirements, so we can also provide separate cover for Group travel, cyber or inspection services. Speak to your broker about the types and level of 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 2022

2 Subject to underwriting criteria

3 Claims Team of the Year, Insurance Post Claims and Fraud Awards 2021 and Digital Insurance Innovation of the Year, British Insurance Awards 2021

Watch our video

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

information icon

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 barometer vector image - bonnet and headphones Kenwood House interior room Close up of ancient tapestry