• Property

  • Terrorism

  • Directors & Officers

  • Engineering

  • Claims

St Giles specialises in the placement of building insurance on behalf of clients that represent the broad spectrum of this industry. We help facilitate cover for sole practitioners through to multinational institutions.

As an independent broker we have the flexibility to provide a tailored service to each client. We understand no two property companies or managing agents are the same and a one size fits all approach is not conducive for the most efficient service. Regardless of premium, each client is allocated a selected team with a single point of contact. The team is able to assist with all property insurance matters including ancillary policies such as Engineering, Professional Indemnity and Directors and Officers cover.

Our experience and expertise results in a willingness of insurers to work with us, allowing St Giles to provide an efficient, economic and market leading service.

We are involved throughout the life cycle of insurance from inception to expiry. Consequently, our clients are provided with a dedicated claim handler who ensures the swift resolution of all claims and, in conjunction with your broker, explores risk mitigation options.

An act of terrorism is defined as follows: "acts of persons acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of Her Majesty's government in the United Kingdom or any other government de jure or de factor."

Typically administered by the building insurer but provided by Pool Re, terrorism can be covered with, however, the following exclusions:

  • war and related risks;
  • damage to computer systems caused by virus, hacking and similar actions.

Alternative options to Pool Re are available through Lloyds of London where a standalone policy is created. Exclusions vary but typically acts of chemical, biological, radiological or nuclear terrorist incidents are excluded.

Personal liability can result from being a director of a residential block of flats. They can be sued due to an error or omission that has resulted in financial loss. Typical scenarios relate to maintenance, planning permission or investment decisions (or lack of).

Our Directors and Officers offering operates on a ‘one company, one policy’ basis meaning if a property has two companies (e.g. a freehold company and a management company) two policies are required

We provide unique cover features including our Limit of Indemnity is provided on an any one claim basis as opposed to the industry standard of once the allocated limit is reached, no further cover is available for the remainder of the policy term. Additionally, we provide cover to defend Directors and Officers taken to a Leasehold Valuation Tribunal.

The St Giles offering has a common renewal date of 15th May, therefore, policies incepting on any other date will be charged on pro-rata basis and annually thereafter. This helps maintain the most competitive premiums.

Lifts, communal boilers and other plant may require, by law, to be inspected every 6 months. Engineering insurance policies provide both sudden and unforeseen damage cover and also the inspection service.

We are able to source competitive policies from institutional insurers.

Should a claim need to be made we will assist you to ensure its swift resolution. As the broker of the policy we are best placed to do this.

With St Giles you will be appointed a claim handler who will assist in the preparation of information submitted to the insurer and/or loss adjuster. We will continually monitor and review the claim so that any disruption caused by the incident is minimised.

On becoming aware of the claim contact us so that we can guide you through the process.